Ultimate Checking

Build your Savings with First National Bank Ultimate Checking.
Earn CD like rates on your Checking Account and receive FREE ATM access anywhere, anytime.

ULTIMATE Features

• Earn interest monthly when all requirements are met.* Click here for current rates.
• ATM fees refunded each statement cycle**
• $100 minimum deposit to open the account
• No Minimum Balance*****
• No Monthly Fees
• Unlimited Deposits and Withdrawals
• 24-Hour Banker including FREE Online Bill Pay
• Check your account statements online, anywhere, anytime with eStatements
• Add the FirstClass service for FREE***

ULTIMATE Requirements:****

• Maintain a balance up to $25,000 per statement cycle*****
• Receive a monthly Direct Deposit or ACH Debit from the Ultimate Checking Account
• Make 15 Visa Check Card transactions, excluding ATM, per statement cycle. These can be signature or PIN purchases.
• Enroll in 24-Hour Banker and receive eStatements
• Maintain a valid email address

*Accounts will automatically calculate the interest at the highest Ultimate Checking rate. This will appear on the statement when the cycle ends on the 24th of each month. We may change the interest rate and APY at any time after the account is opened. Account is for personal accounts only. One Ultimate Checking account per household.
**If requirements are met, ATM fees will be refunded on the first business day of the new statement cycle. There is a $30 maximum limit of ATM refunds per statement cycle.
***Age must be 50 or better.
****If requirements are not met, on the first business day of the new statement cycle, the interest payment at the higher rate will be reversed and the new lower interest rate will be calculated and credited for the previous month’s balance.
*****All balances above $25,000 will receive the higher interest rate for the first $25,000 and a lower rate on the remainder of the balance.