FNBFirst National Bank
Locations

 

Personal Checking Accounts

Value Checking

Are you looking for more than your standard free checking account? Look no further than First National Bank's Value Checking account. Value Checking account is an interest-bearing checking account with up to $12 in ATM fees reimbursed per statement cycle and unlimited check writing.

Requirements per statement cycle:

  • At least 8 debit card transactions (not including ATM withdrawals)
  • Minimum of 1 direct deposit or 2 ACH debits (includes Bill Pay)
  • Online statements
  • Access your Value Checking account through First National Bank's Online Banking or the FNB mobile app at least once

1.26% APY (annual percentage yield) on balances up to $15,000 - if requirements are met per statement cycle. The rate decreases on the balance portion above $15,000 to the current NOW account rate. If requirements aren't met during a statement cycle, interest is paid at a lesser rate. If online statements are not selected, the account will be charged $2.50 per month and ATM fees will not be reimbursed. Rates are subject to change without notice. $100 minimum deposit to open an account.

Return to top of page

Account Minimum Balance to earn APY Interest Rate APY
First Class Checking
- Free Personalized Checks
- Accidental Death & Dismemberment
  Insurance
- Unlimited Checking
- - -
Basic Checking - - -
NOW $600 .02% .02%
Money Market $2,500-$14,999.99
$15,000-$24,999.99
$25,000-$49,999.99
$50,000 + over
.07%
.12%
.19%
.30%
.07%
.12%
.19%
.30%
Money Market Plus $0-$14,999.99
$15,000-$34,999.99
$35,000-$64,999.99
$65,000-$94,999.99
$95,000 + over
No interest paid
.09%
.18%
.28%
.35%
 0
.09%
.18%
.28%
.35%

To open a checking account, you must have a legal form of identification such as a driver's license, passport, military ID or a state-issued ID. You must also know your social security number. Fees could reduce the earnings on account. Rates effective 4-1-2015 and subject to change without notice.

We have nine convenient locations in Illinois: Staunton, Bethalto, Troy, Maryville, Holiday Shores, Benld, Livingston, Mt. Olive, and Hamel. You may visit any of those locations to open a checking account, or you can call your local branch to further discuss First National Bank's checking accounts.

Instant Issue Debit Cards - Open a checking account today and walk out with your debit card today. Available at the Staunton, Bethalto, Maryville, Mt. Olive, and Hamel First National Bank locations.

If you have any questions concerning compromised debit cards, please visit our FAQ.

Round Up Savings - This program allows FNB customers to add money to their savings accounts every time they use their debit cards. Customers make purchases with their debit cards. When they look at their statements, they will see the purchase they made as well as an amount that was rounded up from that purchase and transferred to their savings account.

For example, if a customer makes a debit card purchase of $10.50, then the customer will see that amount being debited from their checking account along with a debit of $0.50 that has been automatically transferred to their savings account.

Customers may visit any of our 9 locations to sign up for the program.

 

Return to top of page