Personal Checking Accounts

A Personal Checking Account For Your Life – Find Your Fit

Family saving money with 1st national bank personal checking accounts

At 1st National Bank, we believe that your checking account should be tailored to your individual needs.

That’s why we offer a variety of checking accounts to fit your lifestyle, whether you’re looking for:

  • A basic account with no monthly fees
  • A robust account with features like:
    • Overdraft protection
    • Shopping discounts and rewards
    • Travel & leisure membership plan
    • Much more

Open a Checking Account Today

To open a checking account, simply visit one of our convenient locations. We look forward to helping you find the perfect checking account for your life!

1st National Bank

Bank your best.™

Learn more about our Personal Checking Accounts


happy man enjoying the benefits of his 1st national bank secure checking account web photo

Secure Checking

Introducing Secure Checking – Your Key to Financial Freedom
Upgrade to 1st National Bank’s Secure Checking! Save time, money, and enjoy peace of mind. Unlock exclusive savings and top-tier protection.
Get your key to financial freedom today!

  • Retail Savings & Rewards
  • Healthcare Savings2
  • Travel & Leisure Membership Plan
  • AD&D Insurance2
  • Cell Phone Protection2
  • IDProtect1
  • Debit Advantage
Learn More
young woman happy to have a 1st national bank 1st checking web photo

1st Checking

1st Checking Account: Enjoy Interest, Convenience, and Flexibility at 1st National Bank
Experience interest, convenience, and flexibility with 1st National Bank’s 1st Checking Account.
Bank smarter, not harder. Make your money work for you!

  • Interest on your account balance
  • Low minimum balance requirement
  • Free debit card
  • Free access to online & mobile banking
  • Unlimited withdrawals
  • Paper or e-statements
Learn More
banker extending a helping hand with 1st national bank second chance checking web photo

Second Chance Checking

Rebuild Your Financial Future with 1st National Bank’s Second Chance Checking Account
Get a fresh start with 1st National Bank’s Second Chance Checking.
Past financial mistakes shouldn’t hold you back.
Rebuild and bank better!

  • Low monthly maintenance fee
  • Low minimum balance
  • Free access to online & mobile banking
  • Free Credit Reports
  • Debit Card (must qualify)
  • Credit Builder Loan Options
Learn More
student enjoying the flexibility of 1st national bank student checking web photo

Student Checking

Ace your Finances with 1st National Bank’s Student Checking Account
Easy, stress-free banking tailored for student life.
Get ahead, stay ahead!

  • No monthly maintenance fee
  • No minimum balance requirement
  • Online & app banking for convenient access
  • Complimentary debit card
  • Unlimited check writing
  • Relationship pricing for loyal clients
Learn More
diverse senior couple enjoying no maintenance fees on their 1st national bank senior checking web photo

Senior Checking

At 1st National Bank, we understand the unique financial needs of seniors, and our Senior Checking Account is designed to provide convenience, flexibility, and value to our valued senior customers. Enjoy a checking account tailored for seniors that comes with numerous benefits, such as:

  • No monthly maintenance fee
  • No minimum balance requirement
  • Online and app banking
  • Free debit card
  • Unlimited check writing
  • Relationship pricing
Learn More

View account disclosures



*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


Certificates of DepositIcon For: Rates

Term Rate APY*
15 Months 5.36% 5.50%
5 Years 4.41% 4.50%
4-5 Years 4.65% 4.75
2-3 Years 4.88% 5.00%
1-2 Years 2.96% 3.00%
6-12 Months 2.96% 3.00%

*Relationships must have an average balance of $1,000 or a lending product. CDs only excluded. APY (annual percentage yield) and rates on savings & checking accounts may change daily. Penalty for early withdrawal from CDs. Interest is compounded daily on all deposits. Fees could reduce earnings on your account.
See Rules and Regulations for more details.