Personal Checking, ATM / Debit Cards

The Power of Choice

You'll find a First National Checking Account designed precisely for the way you manage your money.

Your First National checking account is available with:

  • ATM/Debit MasterCard. Use your combined ATM/Debit MasterCard to conveniently make all your everyday purchases and access cash at thousands of ATM's nationwide. Here are some debit card use tips.
  • Online and Mobile banking. You'll love the ease and convenience of online banking and mobile banking for making transfers between your accounts, setting up and managing your e-Alerts, reviewing transaction history, e-deposits and so much more.
  • e-Statements. The fastest, safest and most 'green' way to get your periodic account statement. e-Statements arrive promptly and securely without sitting in your mailbox or getting lost in the mail, plus you can more easily access them when and where you need to by using the archive within online banking or saving them to your own device.
  • Online Bill Pay. Take some of the pain out of paying your bills. Use Online Bill Pay to pay for most anything, even another person.

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The Power of Confidence

Sweep/Overdraft Protection : Link your accounts and, for a small fee, money will automatically transfer from your savings to your checking account if funds are not sufficient to cover a check.

Bounce Protection : Honors checks and electronic debits, up to a specified limit, to save you the hassle and embarrassment of a returned item. You pay a fee only when you use the service. Learn more about the Basic and Extended coverage and how to enroll. The Bounce Protection Details and Policy can be reviewed here.

Here's a great resource from the Federal Reserve Board on 'Protecting Yourself from Overdraft and Bounced-Check Fees'.


Guide me.... Use this online Fitting Tool to select the best fit in a checking account based on the way you manage your money. Or talk to us now about a checking account.


Explore First National's Checking Account Offerings ... 

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.

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.

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.

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.

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.

Use your First National ATM/Debit MasterCard instead of a check to make purchases at millions of locations worldwide where you see the MasterCard logo. Plus, 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.

Express Debit... First National now issues cards instantly at any branch office!

Debit By Design... Make your debit card truly your own with an image of your choice!

Using your card:

  • 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.
  • Keep 24/7 tabs on your debit card activity using e-Alerts.


Helpful Debit Card Tools and Resources:

e-Alerts and e-Alerts FAQ's

Debit By Design and FAQ's

Debit Card Use Tips

Fraud Prevention Alerts - How They Work and What to Expect

Manage Your Debit Card with Tools in Online Banking and Mobile

EMV/Chip Card FAQ and video on how to use your EMV/Chip Card

MasterCard Guide to Benefits (effective June 19, 2017)