Consumer Checking

Preferred Check Club – exceptional value and benefits

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When you become a member of this club for a low monthly service fee, you receive benefits designed to maximize your convenience, savings, and security. If you are a senior, retiree or full time students, your monthly service fee is discounted.


  • Unlimited checking and discounted banking services
  • $15,000 Accidental Death and Dismemberment Insurance
  • Identity Theft Insurance with Fraud Assistance
  • Payment Card and Luggage Protection
  • Travel advantages with My Getaway, hotel, travel, and car rental discounts
  • Golf, theme park and recreation, and movie theater discounts


Simple Checking - easy and convenient

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A no frills checking account with free online banking and no monthly service charge as long as you receive monthly electronic statements. Perfect for the person on the go, a student away at college, or someone that wants just a simple account.

First Reward Checking - pays you just for using it

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  • Minimum opening deposit is $25
  • No minimum balance or monthly fees.
  • 0.89% APY* on balances up to $50,000 and nationwide ATM fees refunded when you perform the following requirements each qualification cycle:
    • Must have at least 10 debit card purchases post and clear per qualification cycle
    • Must have at least 1 direct deposit or ACH auto debit post and clear per qualification cycle.
    • Enroll and receive electronic statements
  • 0.10% APY* on balance if requirements are not met, with no refunds for ATM fees
  • 0.20% APY* on your balances over $50,000 each qualifying cycle when the requirements are met.

*0.89% Annual Percentage Yield (APY) paid on balances between one penny and $50,000, and 0.20% APY paid on all amounts above $50,000 each cycle the minimum requirements are met.  When minimum requirements are met, ATM fee refunds are automatic and are credited to the account at the end of the qualification cycle.  If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period.  Rates are effective as of today's date.  We may change the interest rate and APY at any time after the account is open.  No Minimum Balance Required.  Available to Personal Accounts only.  No monthly service charge.

Regular Checking – a cost-effective account for every day

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Use this account for monthly occurrences like paying bills, buying groceries and purchasing life's essentials. You can write up to 30 checks per month with no fee, and when you maintain an average monthly balance of $500 there is no monthly service charge.

N.O.W. Account – making your money work for you

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Idle money is money that isn't working for you. With the N.O.W. Account from First National you can earn interest on money deposited into your checking account. Individuals, students, families, non-incorporated businesses, and non-profit organizations are eligible for the N.O.W. account.

Money Market Deposit Account (MMDA) – smarter savings

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Are you getting everything you can out of your money? Did you ever wish you could move funds from one account to another quickly to take advantage of higher interest rates? You can with a Money Market Deposit Account from First National Bank.

When you need funds transferred to your checking account, simply draw from your MMDA on-line, by phone or in-person at the bank. Limited check writing privileges.*

Take advantage of the account with your interest in mind.

*Under Federal Regulation, transfers from a Money Market Account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to six per month. If this limitation is exceeded on a regular basis, we are required to convert your account to another account that permits unlimited check writing privileges.

Econo Checking

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Not everyone writes a lot of checks. You pay with cash or with a credit or debit card... or maybe you just don't spend a lot of money. If any of these describe you, Econo Checking is the solution. You'll save money and won't sacrifice any of the conveniences of a First National Bank Regular Checking Account. So, if you only write 10 checks or less each month... lighten up with an Econo Checking Account.

Student Checking

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If you are a full-time student, we have a checking account that’s inexpensive and will make your life easier. In fact, the first five checks each month are paid with no fee, while each check thereafter has a low $0.25 fee. Plus, there's no service charge... regardless of your balance. The account comes with a debit card, so you have access to your money from home and at school.

When you need to check your balance or transfer funds between your accounts, call 423-569-BANK or use our free online banking.  

Non-Profit Organization Checking

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Non-Profit Organization Checking from FNB makes good business sense for churches, civic groups, and scout troops, educational or professional associations.

We can set up a special account for your group with no service charge regardless of your balance!

At First National Bank we believe in doing all we can to help our community grow. We believe that the people of our service region are our most valuable resource and offer this special account to help your group stretch the budget as far as possible.

After all, you're investing in us... it makes sense that we'd invest in you.

Online Banking

Use your personal computer to check account balances and retrieve historical information, transfer funds and make loan payments, and much more.


Are You Hack Proof?

While there is no guarantee any amount of additional security will prevent you from being victimized, by being aware of what you share will build another line of defense between yourself and criminals. Click Go to see tips to keep your identity safe!


Banking that lasts

With roots that have grown for over 110 years, First National Bank stands strong. Since 1904, we have been dedicated to growing a strong, lasting and prosperous community. Your Family, Your Future,Your Bank, is not just our slogan, it's who we are!


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