Get the banking relationship, services, technology and conveniences that fit your life. It's just how we think about banking and customers here at 1st National Bank --customers first. Our promise to help you Bank your bestTM is part of it. Being everything you need and want, is being the best bank we could ever be.


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Personal Checking Accounts

best checking accounts in cincinnati ohio

1st Checking - Allows you the option to receive your statement with images mailed or e-statements.  It also pays interest if you keep a balance of $1000 or more.  You must maintain a minimum balance of $500 to avoid a monthly $5 fee.

Simple Checking - Simple Checking Account comes with a free check card and unlimited check writing.  E-statements are required to avoid a monthly fee.

Secure Checking - In addition to comprehensive banking features, you can help keep yourself and your family1 safe from fraud and loss with our comprehensive IDProtect® - identity theft monitoring and resolution service* included with Secure Checking. You will also benefit by receiving health discount savings* (this is NOT insurance), cell phone protection2, up to $10,000 accidental death & dismemberment insurance2, travel and leisure discounts*, and $hopping Rewards™*.  Click Here For More Details

Second Chance Checking

Student Checking - The ideal starter checking account for high school and college students, this account meets the need for cost-effective, convenient banking with flexibility.  A free check card, online/mobile banking and e-statements are included.  The account is structured to help students avoid overdrafts and other fees. There are no monthly fees associated with a Student Checking account.

Senior Checking - If you are 50+ you can really have it all with this package.  You'll enjoy all the advantages and preferrred benefits of our 1st Checking, plus you get your checks free. 

Deposit Account feature comparisons

All Checking Account Features Include:
- Free Internet access to your account using 1st Online
- Free 1st Online Bill Pay
- Free Mobile Money Access
- Free 1st National Bank Check Card
- No monthly minimum balance requirements

*Registration/activation required for some checking products. 1IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. 2Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.