Personal Checking
You want a checking account to help you manage your financial life—one that works around your schedule and supports your needs. That’s why we designed these low-maintenance checking solutions featuring plenty of perks. They blend seamlessly into your world, positioning you for financial success and clarity.
E Checking
Welcome to an account that offers so much and requires very little in return. We think that’s how banking should be. With no minimum balance and a low opening deposit, this checking solution takes care of itself, so you can focus on taking care of life.
Benefits:
- No minimum balance
- No monthly service fee
- Unlimited check writing
- Free online banking
- Free eStatements ($2.95 monthly paper statement option fee)
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
First Checking
Enjoy a checking solution that does way more than help you manage your day-to-day finances. It offers special security benefits in the form of identity theft insurance so you can have peace of mind.
Benefits:
- No minimum balance
- Unlimited check writing
- Free wallet-style checks1
- Free online banking
- Free online bill pay
- $7.50 monthly service fee
- Identity theft insurance up to $2,5004
- Online credit and debit card registration5
- Free eStatements
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
1Free bank stock checks or $5.00 discount on designer checks of your choice.
4With First Checking, you are protected with $2,500 of Identity Theft coverage to cover expenses incurred in the recovery of a stolen identity – such as lost wages, legal fees, certified mail and long distance charges.
5As an account holder, you may also register your credit, debit, and ATM cards and have the peace of mind of knowing that your cards are protected and your liability is limited should your card be lost or stolen.
50+ Checking
Reaching age 50 has its advantages, like this checking solution featuring no minimum balance and low opening deposit.
Benefits:
- No minimum balance
- No monthly service fee
- Unlimited check writing
- Free wallet-style checks1
- $2.95 monthly paper statement fee
- Free eStatements
- Free online banking
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
1Free bank stock checks or $5.00 discount on designer checks of your choice.
First Friends Checking
We honor First Friends Travel and Social Club members for your spirit of adventure and commitment to creating a connection. We created this special checking account just for you. It offers numerous benefits liked tiered interest rates and a low opening deposit. Also, this account automatically entitles you to membership in First Friends Club.
Benefits:
- $7 monthly service charge (waived with $1,500 minimum daily balance)
- Competitive interest on tiered balances
- Membership in First Friends Travel and Social Club
- Free canvas tote bag when you open your account
- Unlimited check writing
- Free wallet-style First Friends Club logo checks1
- Discounted safe deposit box rental
- Free eStatements
- Free online banking
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
1Free bank stock checks or $5.00 discount on designer checks of your choice.
Interest Checking
We want your money to work for you so you can maximize your savings. This checking solution allows you to earn competitive interest on your checking balance.
Benefits:
- $7.50 monthly service charge (waived with $750 minimum daily balance)
- Earn interest on your checking balance
- Unlimited check writing
- Free eStatements
- Free online banking
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
Premium Interest Checking
This special account rewards you with higher interest earnings when you maintain a higher balance. We’re always thinking of new and better ways to move you forward.
Benefits:
- $10 monthly service charge (waived with $1,500 minimum daily balance)
- Earn Interest on your checking balance
- Unlimited check writing
- Free wallet-style checks1
- Free eStatements
- Free online banking
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
1Free bank stock checks or $5.00 discount on designer checks of your choice.
Money Market Investment Checking
As your banking partner, we want you to have every opportunity available to grow financially stronger. This account allows you to access your money with limited transactions, while taking advantage of higher interest tiers on higher balances.
Benefits:
- $10 monthly service charged (waived with $1,500 minimum daily balance)
- Competitive interest on tiered balances
- Limited transaction account6
- Free eStatements
- Free online banking
- Free online bill pay
- Free ATM withdrawals at Money Pass Branded ATMs
- Free Visa® debit card3
- $50 opening deposit
6Transfers from an Investment Savings (Money Market) account to another account to third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
no | E-Checking | First Checking | Interest Checking | Premium Checking | 50+ Checking | Money Market | First Friends |
|---|---|---|---|---|---|---|---|
no $50 opening deposit | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no No minimum balance | E-Checking ✔ | First Checking ✔ | Interest Checking no | Premium Checking no | 50+ Checking ✔ | Money Market no | First Friends no |
no $750 minimum balance | E-Checking no | First Checking no | Interest Checking ✔ | Premium Checking no | 50+ Checking no | Money Market no | First Friends no |
no $1,500 minimum balance | E-Checking no | First Checking no | Interest Checking no | Premium Checking ✔ | 50+ Checking no | Money Market ✔ | First Friends ✔ |
no Earn interest on your checking balance | E-Checking no | First Checking no | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking no | Money Market ✔ | First Friends no |
no Competitive interest on tiered balances | E-Checking no | First Checking no | Interest Checking no | Premium Checking ✔ | 50+ Checking no | Money Market ✔ | First Friends ✔ |
no No monthly service fee | E-Checking ✔ | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking ✔ | Money Market no | First Friends no |
no $7.00 monthly service fee | E-Checking no | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market no | First Friends ✔ * |
no $7.50 monthly service fee | E-Checking no | First Checking ✔ | Interest Checking ✔ * | Premium Checking no | 50+ Checking no | Money Market no | First Friends no |
no $10.00 monthly service fee | E-Checking no | First Checking no | Interest Checking no | Premium Checking ✔ * | 50+ Checking no | Money Market ✔ * | First Friends no |
no Unlimited check writing | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends no |
no Limited transactions6 | E-Checking no | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market ✔ 6 | First Friends no |
no Free wallet style checks1 | E-Checking no | First Checking ✔ 1 | Interest Checking no | Premium Checking ✔ 1 | 50+ Checking ✔ 1 | Money Market no | First Friends ✔ 3 |
no Free eStatement | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no $2.95 for paper statement | E-Checking ✔ | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking ✔ | Money Market no | First Friends no |
no Free online banking | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no Free online billpay | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no Free ATM withdrawals at all FNB locations | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no Four free ATM at other ATM/bill cycle | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no Free 24-hour Telephone Banking | E-Checking ✔ | First Checking ✔ | Interest Checking ✔ | Premium Checking ✔ | 50+ Checking ✔ | Money Market ✔ | First Friends ✔ |
no Free Visa Check Card3 | E-Checking ✔ 3 | First Checking ✔ 3 | Interest Checking ✔ 3 | Premium Checking ✔ 3 | 50+ Checking ✔ 3 | Money Market ✔ 3 | First Friends ✔ 3 |
no No annual fee FNB Visa Credit Card2 | E-Checking ✔ 2 | First Checking ✔ 2 | Interest Checking ✔ 2 | Premium Checking ✔ 2 | 50+ Checking ✔ 2 | Money Market ✔ 2 | First Friends ✔ 2 |
no Identity Theft Insurance up to $2,5004 | E-Checking no | First Checking ✔ 4 | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market no | First Friends no |
no Online Debit and Credit Card Registration5 | E-Checking no | First Checking ✔ 5 | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market no | First Friends no |
no Membership in the First Friends Travel Club | E-Checking no | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market no | First Friends ✔ |
no Discounted Safe Deposit Box Rental | E-Checking no | First Checking no | Interest Checking no | Premium Checking no | 50+ Checking no | Money Market no | First Friends ✔ |
* monthly service charges waived with minimum balance
1Free bank stock checks or $5.00 discount on designer checks of your choice
2Subject to customary credit criteria.
3Subject to approval.
4With First Checking you are protected with $2,500 of Identity Theft coverage to cover expenses incurred in the recovery of a stolen identity – such as lost wages, legal fees, certified mail and long distance charges.
5As an account holder, you may also register your credit, debit and ATM cards. Have peace of mind of knowing your cards are protected and your liability is limited should your card be lost or stolen.
6Transfers from an Investment Savings (Money Market) account to another account third parties by preauthorized, automatic, or telephone transfers are limited to six per statement cycle with no more than three by check draft, debit card or similar order to third parties.