Personal Checking Accounts
First National Bank and Trust Co. offers a variety of innovative checking plans to meet your financial needs.
First Choice
With a minimum $100 opening deposit and no minimum monthly balance required, First Choice members enjoy all of the following services for only $6 per month: unlimited check writing, free personalized First Choice checks, no fees on money orders or traveler’s checks, 20% annual discount on safe deposit boxes, $20,000 Accidental Death and Dismemberment Insurance, Living Family Journal, LifeLock® membership, Identity Theft 911 membership, prescription drug discounts, and $100,000 Scheduled Airline Insurance. In addition, First Choice account holders can enjoy up to 50% savings on brand name products and hotel and motel reservations as well as 20% cash back on the purchase of gift cards and movie tickets from leading retailers such as AMC Theaters, Bed Bath & Beyond®, Red Lobster®, and Kmart®.
Other additional services available to First Choice accountholders at no additional charge are: notary service, fax service, photocopies, bank by mail, automatic funds transfer, bank by phone, online banking, and online bill pay.
Balance Bonus Feature: First Choice account holders will receive all of the exciting benefits at no monthly charge if you maintain a $2,500 minimum balance each month.
First Choice Plus
If you are age 55 or better, you qualify for this account. With a minimum opening deposit of $100, you will receive all of the tremendous benefits listed under First Choice for the low monthly fee of only $3.
Simply Free
With a minimum opening deposit of $100, and no minimum monthly balance requirements, Simply Free checking offers unlimited check writing, free online check images, an easy to balance monthly statement, free online banking and an ATM/Debit card. Account holders are required to purchase checks. Check order charges will vary based on type and quantity of checks ordered. A fee of $25 per insufficient item will be charged on accounts.
Sunshine 55 Club Checking
For customers age 55 or better. No monthly service charge. Includes free money orders, travelers checks and notary services, and a 20% discount on safe deposit box rentals. No minimum monthly balance required. Features unlimited check writing, direct deposit for social security and retirement checks. Special single checks are provided free of charge.
$100 minimum opening balance.
Non-profit Organization Checking
A $3.00 monthly service charge and no minimum balance requirements or debit transaction fees.
$100 minimum opening balance.
Super NOW Checking
Unlimited check writing and no monthly service charge if the daily balance is $1,000 and above every day of the statement cycle. (A $10 monthly service fee is charged if the account falls below $1,000.) Interest accrues daily and is paid monthly at statement cycle time on daily collected balances at a variable (NOW) rate that fluctuates with the current market rate. The interest rate, as determined by management, is subject to change and is posted in the bank's lobby. All accrued interest is forfeited if the account is closed prior to the end of the statement cycle period.
$100 minimum opening balance.
Money Market Checking
No monthly service charge if the collected balance is $1,000 and above every day of the statement cycle. (A $10 service charge if the balance falls below $1,000.) Interest accrues daily and is paid monthly at the Money Market Rate posted in the lobby. All accrued interest is forfeited if the account is closed prior to the end of the statement cycle period. Withdrawals are limited to six per statement cycle. A $10 charge will be assessed for each withdrawal in excess of six per statement cycle.
$100 minimum opening balance.