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Personal Checking Accounts

We value our customers and try to offer the right mix of accounts to suit your needs. Learn about our Checking Reserve overdraft protection and our Visa Check Card for easy access to your money. Contact us with questions or for further details and apply over our secure link to set up an account

Order Your Checks Online from Deluxe Checks 

Click on the Deluxe box to order checks or monitor your check order.

First Free Checking

This is a great starter account or an account for someone who wants a no-hassle, no-minimum balance account.

  • Apply over our secure link to set up an account

  • No minimum balance is required

  • Checks are safekept (not returned in statements)

    • Copies of checks are available for $2 fee per check copy

  • Checking Reserve is available upon application approval

  • Free 1st TeleBanc access for phone banking

  • Free 1st Net Connection Internet Banking access for online banking. You can view actual images of checks that you have written.  Images are available as soon as they have cleared the bank. There is free viewing of current and previous monthly statements which have been issued during the previous 366 days.

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • 1st Net Bill Pay is free when you sign up for eStatements.  Without eStatments, Bill Pay charges are $2 per month plus $.25 per item or $20 per year plus $.25 per item. Apply for 1st Net Bill Pay  and let us pay your bills.

  • 1st Teller 24 ATM Card is available with no usage charge at any of our ATM locations

  • Reduced rate on new retail loans with auto-debit payment

  •  Visa Check Card is available with no monthly fee

 

First Checking  

This account is usually recommended for joint accounts, since they are often used for household expenses as well as general use. A First Checking account has a low minimum balance requirement with a low service charge and no individual check charge.

  • Apply over our secure link to set up an account

  • Maintain a $400 minimum balance to avoid a $5.00 monthly service charge

  • Statements are issued on a monthly cycle and may also be viewed on 1st Net Connection

  • Check Images are included in the monthly statement

  • Checking Reserve is available upon application approval

  • 1st Teller 24 ATM Card is available with no usage charge at any of our ATM locations

  • Visa Check Card is available with no monthly fee

  • Free 24-hour phone banking with 1st TeleBanc

  • Free 1st Net Connection online banking 24 hours a day so you can view actual images of checks that you have written. Images are available as soon as they have cleared the bank. There is free viewing of current and previous monthly statements which have been issued during the previous 366 days.

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • 1st Net Bill Pay is free when you sign up for eStatements.  Without eStatments,  Bill Pay charges are $2 per month plus $.25 per item or $20 per year plus $.25 per item. You may apply for 1st Net Bill Pay  and let us pay your bills.

  • Reduced rate on new retail loans with auto-debit payment


First Plus Checking

This is an interest bearing checking account with all the benefits a checking account can offer.

  • Apply over our secure link to set up an account

  • $800 minimum balance required to avoid a $5.00 monthly service charge

  • Interest is calculated on the average collected balance and paid monthly

  • Statements with check images are issued on a monthly cycle

  • Check safekeeping is also available at no charge

  • Checking Reserve is available upon application approval

  • 1st Teller 24 ATM Card is available with no usage charge at any of our ATM locations

  • Visa Check Card is available with no monthly fee

  • Free 24 hour phone banking with 1st TeleBanc

  • Free 1st Net Connection online banking 24 hours a day so you can view actual images of checks that you have written. Images are available as soon as they have cleared the bank. There is free viewing of current and previous monthly statements which have been issued during the previous 366 days.

  • 1st Mobile - access your account information with your mobile device (cell phone)

  • 1st Net Bill Pay is free when you sign up for eStatements.  Without eStatments,  Bill Pay charges are $2 per month plus $.25 per item or $20 per year plus $.25 per item. Apply for 1st Net Bill Pay  and let us pay your bills..

  • Reduced rate on new retail loans with auto-debit payment.

A minimum deposit of $100 is required to open any checking account and $25 fee for any checking account closed within 180 days of opening.

Another benefit of investing in FNBB checking accounts is the security of FDIC insurance. See details here.  

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