Looking for an account with no Overdraft or Return Item fees? Our Access Debit account might be just what you need.

  • $0 minimum deposit to open or minimum balance requirement
  • No Overdraft or Return Item fees
  • Low $4 monthly service fee
  • Spend only what's in your account - generally transactions will be declined and returned unpaid when you don't have enough money in your account¹
  • Convenient access without checks – use your debit card or online banking to make purchases, pay bills, deposit checks and transfer money
  • Free debit card replacement
  • No Circle One ATM Fees from us (other bank and ATM operators' surcharges may apply)
  • Free statements - online or paper
  • Free debit card fraud monitoring
  • Free cashier's checks and incoming wires
  • 0.25% rate discount on Auto, Home Equity and Personal Loans
  • $200 Mortgage closing cost credit - see a Mortgage Loan Officer for complete details
  • $25 Safe Deposit Box discount

Visit a branch or call us at 888-313-5831 to apply.

Documents & Disclosure

A Guide to Your Account (PDF)

View Deposit Agreement (PDF)

1 There are certain pre-authorized debit card transactions that First National Bank is required to pay that may take your account negative. Any fees charged to your account may also result in a negative balance. With the Access Debit account, you will not be charged Overdraft Item Fees for being inadvertently overdrawn.