Online Banking

Choose an account type:

Retail Online
Business Online

What's New

Business Economy Checking

Our Business Economy Checking Account is designed for business with low transaction activity.

  • $100.00 to Open This Account
  • No Minimum Balance Requirement
  • No Monthly Maintenance Fee
  • Up to 150 Free Deposited Checks and /or Checks Paid During The Statement Cycle

Small Business Interest Checking

Small Business Interest Checking is designed for nonprofits, estates and small businesses wanting to earn interest.

  • $100.00 to Open This Account
  • Maintain a daily balance of $2,500.00 and Avoid $10.00 Monthly Maintenance  Fee
  • No charge for the first 175 deposited checks and/or checks paid during the statement cycle

Nonprofit Checking

Our Nonprofit Checking Account is designed to meet the special needs of nonprofit organizations.

  • $100.00 to Open This Account
  • No monthly maintenance fee
  • No minimum balance requirement


If you have given out any information to unknown parties please call us at 434-369-3000 and ask for bookkeeping so that we might take steps to protect your accounts. 

 Identity Theft Assistance

  1. If you believe you may be a victim of identity theft:
  2. Contact us immediately at 434-369-3000
  3. Contact the Social Security Administration's Fraud Hotline at 1-800-269-0271 to report fraudulent use of your identification information.
  4. Report the incident as quickly as possible to the major credit reporting agencies;
    • Experian (888) 397-3742
    • Equifax (800) 525-6285
    • Trans Union (800) 680-7289
  5. File a police report in your local jurisdictions and retain the report number and name of investigating officer.
  6. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC Identity Theft Hotline: (877) IDTHEFT (1-877-438-4338).





By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositorís accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.


For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit

Remote Deposit Capture

Want to make your business deposit anytime? Now you can with First National Bank's new Remote Deposit Capture service. All you need is a scanner that connects to your PC and the internet! Check out the details under our E-Commerce section located in the Business Banking tab on our website.

Merchant Services

First National Bank Merchant Services gives you the latest in electronic payment technology and competitive pricing. We offer:

  • A local representative that assures quick response to your needs
  • Electronic deposit of funds available in 2 business days
  • Processing of other credit cards including American Express, Discover, Diners Club, Pin Debit, Gift Cards and more
  • I-Terminal, Telecheck, Touchtone, and Wireless processing
  • Free Online Access to Merchant Reporting

Select Your Own PIN #

At First National Bank's seven *Branch ATM locations* you now have the opportunity to change your Personal Identification Number (PIN). The PIN change option is available on the third Transaction screen. Just select Other on the first two screens and you will be directed to the third Transaction screen where you can choose to change your PIN.

*ATM Branch locations: Main, Vista, Airport, Timberlake, Forest, Amherst and Rustburg.

OnLine Banking

1st Access OnLine Banking and 1st Access Bill Pay are here! Click on the Online Banking button to see how you can enroll to manage your accounts from home or office 24 hours a day 7 days a week with 1st Access OnLine Banking. Paying bills has never been more convenient than when you use 1st Access Bill Pay. Check out these new products today!

OnLine Bill Pay

First National is now offering Basic Bill Pay FREE on any personal checking account or business checking account.

Enrollment in Bill Pay is available from within 1st Access OnLine Banking.