Safe, Secure Online Banking

Personal Checking with ATM / Debit Cards

The power of Choice

You'll find a First National Checking Account designed precisely for the way you manage your money. 
All First National checking accounts are available with:

  • ATM/Debit MasterCard. Use First National's combined ATM/Debit MasterCard to conveniently access cash at thousands of ATMs nationwide and to make everyday purchases.
  • Convenient, free online banking. Make online transfers, set up e-Alerts, view transaction histories and much more.
  • Free, environmentally friendly e-Statements. Statements arrive promptly and securely without sitting in your mailbox or getting lost in the mail.
  • Online Bill Pay, free when you make at least one online bill payment per month.
  • GenGold, exclusively for First National Bank account holders, offers more than 60 programs designed to save you time and money. 
  • The power of protection:

Guide me.... Use our online Fitting Tool to select the best fit in a checking account based on the way you manage your money.  

Or, explore checking account offerings on your own... 

 

50 or better?  Choose Livingston First Checking.
If you're 50 years or better and can have Direct Deposit of your pension and/or social security into your checking account, the Livingston First Checking Account is a perfect fit.  Livingston First is more than a premier checking account: it's an entire club with membership benefits.

  • No monthly service charge or minimum balance requirement with Direct Deposit of your pension, social security or other retirement income.
  • Earn interest on balances $1,000 and above with tiered rates, so the higher your balance, the more you earn.
  • Access to your funds is easy and convenient with the included ATM/Debit MasterCard.
  • Enjoy the convenience of unlimited free access at First National Bank ATMs and up to four free transactions a month at other ATMs.
  • Online banking and e-Statements are free. Online Bill Pay is also free when you pay at least one bill a month with it.
  • Get free checks you pay only shipping costs.
  • You're automatically a member of the Livingston First Club, with access to GenGold for just $1 a month. GenGold offers more than 60 programs designed to save you time and money.

Order your checks online from Harland Clarke, our preferred provider.

 

PREFER TO BANK ONLINE?  Choose Virtual First Checking.
If you use your ATM/Debit card, online banking and online bill pay to manage your money, choose Virtual First Checking. Only Virtual First Checking offers:

  • No monthly service charge or minimum balance requirement.
  • The convenience of an ATM/Debit MasterCard, linked to your Virtual First Checking Account.
  • Enjoy the ease of unlimited free access at First National Bank ATMs and up to eight transactions a month at other ATMs without a fee.
  • Online banking and e-Statements are free. Online Bill Pay is free when you pay at least one bill a month using it.
  • Enjoy the time- and money-saving benefits of more than 60 GenGold programs for just $6 a month.

Order your checks online from Harland Clarke, our preferred provider.

 

DO DIRECT DEPOSIT?  Choose Convenience First Checking.
If you can direct deposit your payroll or other regular income into your checking account, Convenience First Checking is your checking account solution.  Convenience First Checking offers you:

  • No monthly service charge or minimum balance with Direct Deposit.
  • Easy access to your funds using the included ATM/Debit MasterCard.
  • Free, unlimited access at First National Bank ATMs and up to four transactions a month at other ATMs without a fee.
  • Free online banking and e-Statements. Online Bill Pay is free when you pay at least one bill a month using it.
  • The time- and money-saving benefits of GenGold programs for just $6 a month.

Order your checks online from Harland Clarke, our preferred provider.

 

WANT TO EARN INTEREST?  Choose Interest First Checking.
Interest First Checking gives you all the convenience and tools you demand in a checking account, plus the ability to earn interest. With Interest First Checking, you can:

  • Earn interest on balances $1,000 and above and pay no monthly service charge when you maintain that balance. Interest rates are tiered so the higher your balance, the more you earn.
  • Enjoy convenient access to your funds using the included ATM/Debit MasterCard.
  • Enjoy free, unlimited access at First National Bank ATMs and up to four transactions a month at other ATMs without a fee.
  • Online banking and e-Statements are free. Online Bill Pay is free when you pay at least one bill a month using it.
  • Enjoy the time- and money-saving benefits of GenGold programs for just $6 a month.

Order your checks online from Harland Clarke, our preferred provider.

 

LIKE THE SOUND OF FREE?  Choose Free First Checking.
Free First Checking is a practical solution for your checking account needs, with the emphasis on free.

  • No monthly service charges or minimum balance requirement.
  • Access to your funds is easy using the included ATM/Debit MasterCard.
  • Get free, unlimited access at First National Bank ATMs and up to four free transactions a month at other ATMs.
  • Online banking and e-Statements are free. Online Bill Pay is free when you pay at least one bill a month using it.
  • At your option, subscribe to money-saving GenGold programs for just $6 a month.

Order your checks online from Harland Clarke, our preferred provider.

 

ATM/DEBIT MASTERCARD
Use your ATM/Debit MasterCard instead of a check at more than 14 million MasterCard locations worldwide and get convenient access to cash withdrawals, deposits and transfers at First National and other ATMs displaying the MasterCard logo.  Your First National ATM/Debit MasterCard looks like a credit card but works like an electronic check.

  • When you make a purchase, select Credit and sign the receipt, or select Debit and enter your Personal Identification Number (PIN).
  • If at an ATM, use the card just as you would an ATM card. Insert into machine or swipe, and then perform your withdrawal, deposit, transfer or balance inquiry.
  • Many merchants offer cash back when you use your ATM/Debit MasterCard, so when you make a purchase and select cash back, you can get money without paying an ATM or other fee.
  • The money comes from your checking account, so there's no debt, monthly bills or finance charges. Each transaction, with the amount, merchant location and date, is detailed on your monthly statement.
  • You can use the card to get cash, up to the balance in your checking account. If you are traveling, go to any financial institution that offers MasterCard and get a cash advance at the teller window.
  • If your card is lost or stolen and you immediately report it, your maximum liability is $50.  During business hours, call our Information Center at 517.545.2238 or 517.546.3150. After hours, call the 24-hour hotline at 866.546.8273.