First National Bank Review: Best Checking Account For You

Looking to open a new checking account and First National Bank is a candidate on your list? We’ll dive right into the checking account offerings and why it may be a good fit for you.

With account features such as free debit cards, online and mobile banking, First National Bank offers the personal checking options you desire to bank with confidence.

From checking and savings options to fit every lifestyle to loans and investments that help make your dreams a reality – along with financial resources and information to help everyone.

First National Bank Checking Offer

First National Bank is currently offering a $350 reward when you open a new checking account with direct deposit through September 30, 2023.

To receive the $350 direct deposit reward, the following conditions must be satisfied:

• 1) Open a new personal checking account (Freestyle, eStyle, eStyle Plus, Lifestyle or Premierstyle) and make a qualifying electronic-type direct deposit(s), including but not limited to a paycheck or pension from your employer, government benefits (such as Social Security), or other affiliated depositors, totaling $2,500 within the first 90 days after account opening;
• 2) Fifteen (15) customer-initiated debit transactions must be made from your new personal checking account within the 90-day period (including but not limited to point-of-sale transactions that settle and post to your account within the 90-day period, PIN, ATM withdrawals, transfers to other accounts, mobile banking, online bill pay, wire transfers, personal checks, and Zelle® payments); and
• 3) Your account must be open and in good standing. Your $350 reward will be credited to the account within 15 business days following the 90-day period.

(at First National Bank)

This promotional offer is limited to new customers who are residents of Washington, D.C., Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Virginia and West Virginia and may be redeemed at fnb-online.com only. A $50 minimum deposit is required when opening a checking account online except for the eStyle Account, which is $25. Offer valid for new personal checking accounts opened from July 3, 2023, through September 30, 2023.

Terms:

• Offer is non-transferrable and subject to change without prior notice. Offer may be terminated or extended based on response.
• Offer does not apply to multiple checking accounts, existing FNB checking accounts, or accounts converting to another personal checking account.
• Checking account rewards are limited to one per household per calendar year.
• FNB employees and/or members of their household are not eligible for this promotion.
• FNB may offer multiple promotions at one time.
• Even if you meet the requirements for multiple promotional offers, you are only eligible for and will receive one promotional reward offer.
• Checking accounts closed by the customer within 180 days of opening are subject to a $50 account early closing fee except for the eStyle Account, which has no closing fee.
• Some checking accounts accrue interest based on balance.
• For example, Lifestyle Checking currently pays on tiered rates of .05% – .10% Annual Percentage Yield on balances of $2,500 to $100,000+.
• Interest rates are variable, valid as of July 3, 2023 and subject to change at any time.
• Fees could reduce the earnings on the account.
• See the Consumer Fee Schedule, which is available at any FNB branch, for further information on fees applicable to this account.
• To the extent required by law, FNB will report the value of this reward to the IRS on Form 1099 MISC.
• Any applicable taxes are the responsibility of the account holder.
• In the event we determine your account does not meet the eligibility criteria or the activity on your account does not qualify to meet the required conditions, we will not be obligated to credit your account with the reward payout.
• Offer available only online at fnb-online.com to new customers who are residents of Washington, D.C., Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Virginia and West Virginia.

For more information please see the First National Bank official site for terms and conditions.

Member FDIC

Checking Account Options

eStyle Account

A checkless account that helps you avoid overdraft fees. eStyle is a simple way to manage your funds without the worry of overdraft fees. This checkless account includes a full range of features and the convenience of digital access that makes paying just about anyone quick and easy.

• No overdraft fees
• No paper checks
• Digital features to pay people or businesses

Learn more about the eStyle Account.

eStyle Plus Account

Earn interest from your account, without the worry of overdraft fees. eStyle Plus helps you avoid overdraft fees while allowing you to grow your money by earning interest on balances. You won’t need to worry about fees for overdrafts and you can pay all of your bills with FNB’s free Online or Mobile Banking services.

• Interest earned on balances $0 – $2,500
• No overdraft fees
• No paper checks

Learn more about the eStyle Plus Account.

Freestyle Checking

Simple is good. Freestyle Checking is simply outstanding.

Freestyle Checking gives you all the things you need – like a debit card, mobile and online banking, online statements and bill pay. And it’s free from all the things you don’t need – like monthly fees when you sign up for online statements or a minimum balance requirement. It’s everything you need to manage your money.

• Unlimited check writing
• No minimum balance
• No monthly service charge

Learn more about the Freestyle Checking Account.

Bottom Line

With any account, you also get the latest in digital technology – Mobile Banking, Online Banking, and Digital Payments.

For more information please see the First National Bank official site for terms and conditions.

Member FDIC

For more options, see our list of the latest bank bonuses from other institutions like Bank of America, Chase Bank, U.S. Bank, BMO Harris Bank, Discover Bank, TD Bank, Huntington Bank, and more!