FNBFirst National Bank
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Personal Checking Accounts

Value Checking

Are you looking for more than your standard free checking account? Look no further than First National Bank's Value Checking Account. The Value Checking Account is an interest-bearing checking account with up to $12 in ATM fees reimbursed per statement cycle.

Requirements per statement cycle:

  • At least 8 debit card transactions, (not including ATM withdrawals)
  • Minimum of 1 direct deposit or 2 ACH debits (include Bill Pay)
  • Online statements
  • Access your Value Checking Account through First National Bank's Online Banking at least once
  • $100 minimum deposit to open an account
  • Unlimited check writing

1.77% APY (annual percentage yield) on balances up to $15,000 - if requirements are met per statement cycle. Rate changes on balances over $15,000. If requirements aren't met during a statement cycle, interest is paid at a lesser rate. If online statements are not selected, the account will be charged $2.50 per month and ATM fees will not be reimbursed. Rates are subject to change without notice.

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Account Minimum Balance to earn APY Interest Rate APY
First Class Checking
- Free Personalized Checks
- Accidental Death & Dismemberment
  Insurance
- Unlimited Checking
- - -
Free Checking - - -
NOW $600 .02% .02%
Money Market $2,500-$14,999.99
$15,000-$24,999.99
$25,000-$49,999.99
$50,000 + over
.07%
.12%
.19%
.30%
.07%
.12%
.19%
.30%
Money Market Plus $0-$14,999.99
$15,000-$34,999.99
$35,000-$64,999.99
$65,000-$94,999.99
$95,000 + over
No interest paid
.09%
.18%
.28%
.35%
 0
.09%
.18%
.28%
.35%

To open a checking account, you must have a legal form of identification such as a driver's license, passport, military ID or a state-issued ID. You must also know your social security number. Fees could reduce the earnings on account. Rates effective 4-2-2013 and subject to change without notice.

We have nine convenient locations in Illinois: Staunton, Bethalto, Troy, Maryville, Holiday Shores, Benld, Livingston, Mt. Olive, and Hamel. Please visit any of those locations to open a checking account, or you can call your local branch to further discuss First National Bank's checking accounts.

Instant Issue Debit Cards - Open a checking account today and walk out with your debit card today. Available at the Staunton, Bethalto, Maryville, Mt. Olive, and Hamel First National Bank locations.

Turning Your Debit Card On/Off - Use the First National Bank in Staunton mobile app to turn your debit card on or off. This feature lets you take control of your First National Bank Visa® Debit Card and protect against unauthorized use. If you have misplaced your card, turn it to the OFF position. If you find it, and feel your account has not been jeopardized, turn it back ON and continue to use your card. If you use your card infrequently, or are traveling without your card, turn it OFF. Then turn it on when you are ready to use. You are in control. Your mobile app shows you whether your card is ON or OFF!

Turning your card OFF only impacts future debit card (point of sale and ATM) transactions. Any previously authorized transactions will be paid, and any recurring transactions you had previously set up will still occur. Turning your card OFF will not affect your checks, mobile or internet transfers, bill payments, or any other type of transactions in your account(s).*

If you have any questions concerning this mobile app feature, please contact us.

*In all situations it is your responsibility to review activity in your accounts for propriety and to assure that any scheduled or recurring transactions occur when your card is OFF.

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