Personal Checking


Ka-Ching! Free Checking Account

  • Bonus Rates Paid on Balances up to $30,000*
  • Bonus Rates Paid on the Portion of the Balance above $30,000*
  • Nationwide ATM Fee Refunds*
  • Minimum Opening Deposit $100
  • No Minimum Balance After Opening
  • No Monthly Maintenance Fee
  • Unlimited Transactions
  • ATM/Visa Check card transaction free
  • Monthly Electronic Statements (Checks not included)
  • OnLine Banking Free
  • OnLine Bill Pay Free
  • Overdraft Protection Plans

*To earn bonus rates and nationwide ATM Fee Refunds at the end of each monthly qualification cycle you must:

  • Have at least 12 Debit Card Transactions (Point of Sale) posted and cleared per qualification cycle
  • Have at least 1 Direct Deposit or ACH Auto Debit posted and cleared per qualification cycle
  • Receive Electronic Statements each month

Click here for more information

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MpFree Checking

  • Earn iTunes® Download Refunds or Amazon® Purchase Refunds up to $25.00 (initial bonus reward to sign up)*
  • Earn up to $5.00/month in iTunes® download refunds or Amazon® purchase refunds per qualification cycle for qualifying accounts*
  • Nationwide ATM Fee Refunds*
  • Minimum Opening Deposit $100
  • No Minimum Balance After Opening
  • No Monthly Maintenance Fee
  • Unlimited Transactions
  • Visa Check card - transaction free
  • Monthly Electronic Statements (Checks not included)
  • OnLine Banking Free
  • OnLine Bill Pay Free
  • Overdraft Protection Plans available

*To earn iTunes® Download Refunds or Amazon® Purchase Refunds each month plus ATM Fee Refunds Nationwide at the end of each monthly qualification cycle you must:

  • Have at least 15 Debit Card Transactions (Point of Sale) posted and cleared per qualification cycle
  • Receive Electronic Statements each month

Click here for more information

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Free Checking Account

  • Minimum Opening Deposit $100
  • No Minimum Balance After Opening
  • No Monthly Maintenance Fee
  • Unlimited Transactions
  • Visa Check Card - Transaction Free at FNB ATMs
  • Monthly Statement (Checks not included)
  • OnLine Banking - Free
  • OnLine Bill Pay - Free
  • Overdraft Protection Plans

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Regular Checking

  • Minimum Opening Deposit $100
  • Unlimited Transactions
  • Visa Check Card - Transaction Free at FNB ATMs
  • Monthly Statement (Imaged Checks Included)
  • Monthly Maintenance Fee $5
    Avoid fee by:
    1. Maintain a minimum balance of $200, or
    2. Link to deposit account(s) totaling $2000, or
    3. Maintain a minimum of $5000 in consumer loan balances*
  • OnLine Banking - Free
  • OnLine Bill Pay - Free
  • Overdraft Protection Plans

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Interest Checking

  • Minimum Opening Deposit $500
  • Unlimited Transactions
  • Interest Earned at Prevailing Rate
  • Visa Check Card - Transaction Free at FNB ATMs
  • Monthly Statements (Imaged Checks Included)
  • Monthly Maintenance Fee $7
    Avoid fee by:
    1. Maintain a minimum balance of $500
    2. Link to deposit accounts totaling $5000 or
    3. Maintain a minimum of $10,000 in consumer loan balances*
  • OnLine Banking - Free
  • OnLine Bill Pay - Free
  • Overdraft Protection Plans

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1st Choice Club Account

  • Minimum Opening Deposit $1000
  • Unlimited Transactions
  • Interest Earned at Prevailing Rate on the Entire Balance
  • 1st Choice Club CD (Premium CD)
  • Monthly Statement (Imaged Checks Included)
  • Visa Check Card - Transaction Free at FNB ATMs
  • Monthly Maintenance Fee of $10
    Avoid fee by:
    1. Maintain a minimum balance of $1000 or
    2. Link to deposit accounts totaling $10,000 or
    3. Maintain a minimum of $15,000 in consumer loan balances*
  • Free Club Checks (400 per year)
  • No Fee Travel Card and Cashier's Checks
  • "One Up" Rate on Certificates of Deposit
  • Consumer Loan Rate Discount
  • Free Notary Service
  • Free Signature Guarantee
  • Safe Deposit Box Discount (1 Time)
  • OnLine Banking - Free
  • OnLine Bill Pay - Free
  • Overdraft Protection Plans

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* Consumer loan balances are defined as installment loan, outstanding equity line balances, or equity loan balances. Commercial loans, time notes and mortgage loans are excluded from this calculation.

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