Personal Checking

Personal Checking

First National Bank makes it easy to choose a checking account that fits your needs. Five different checking account programs tailored for everyone from students to seniors are available. All of our checking options include online banking, a free ATM/Debit card and they all only require a minimum deposit of $50 to get started. All of the details and options are below, but you MUST come into any of our First National Branch locations in order to open the checking account that’s right for you.


Student Checking – It’s never too early to start a checking account! Recent studies have shown that “20-somethings” entering the world of work are “underbanked” because they don’t understand the banking process and have never had a checking or savings account. A checking account is a vital part of your financial identity. A well maintained checking account can lead to good credit scores, credit card access, ease of rental for an apartment or even a better experience when applying for a mortgage. The First National Bank “Student Checking Account” is a great way to start your banking experience:

  • No monthly service fees,
  • A FREE ATM/Debit Card (for qualified customers),
  • Unlimited check writing and…
  • Your first order of standard checks is FREE.
  • FREE On-line banking access to your account!

The minimum balance to open is only $50. Want to get started? Just click here to contact a Blue Diamond Service representative. We’ll get you up and running with your own checking account in no time! (Verification of Student Status may be required).


Budget Checking Account – Don’t write a lot of checks? Don’t want to maintain a big balance in your account? Want the convenience of an ATM/Debit Card? The “Budget Checking Account” sounds like a great choice for you. With the “Budget Checking Account” from First National Bank, you can:

  • Write up to 25 checks each month with no charge (there is a $0.25 per check charge for each check over 25).
  • No monthly service fee as long as you keep your balance above $50 dollars ($5 monthly service fee for accounts with a balance that falls below $50).
  • Plus, for all qualified “Budget Checking” customers, a FREE ATM/Debit card.
  • FREE On-line banking access to your account!

“Budget Checking” is a great deal, and a great way to have a checking account without the costs or the worry. Want to know more about “Budget Checking” or sign up for your own account? Just drop a line ot one of our Blue Diamond Service Representatives by clicking here. We’ll make sure to get right back to you about starting your very own “Budget Checking” account.


Value Plus Checking – Family, home, car, mortgage, groceries, dance classes…maybe you’re writing a lot of checks. You want convenience, you want unlimited check writing and, of course, you need an ATM/Debit card. Take a look at “ValuePlus Checking” from First National Bank. With “ValuePlus Checking” you get:

  • No monthly fees with a minimum balance of $500 ($5 monthly fee if your balance falls below $500)
  • Unlimited check writing
  • FREE ATM/Debit Card (to qualified customers)
  • FREE On-line banking access to your account!

Busy families and established households will benefit from “ValuePlus Checking”. Want to know more, or are you ready to set up your own “ValuePlus Checking” account? Contact one of our Blue Diamond Service Representatives by clicking here.


First Rate Now Account – A NOW account is an investment, but it’s also a checking account. With a First Rate NOW Account from the First National Bank, you’ll have a chance to earn interest on your balances while writing unlimited checks. Sure, you need to maintain a higher balance to earn that interest but, remember, the First Rate NOW Account is an investment. Check these features:

  • Unlimited check writing
  • No monthly service fee on accounts with a $25,000 minimum balance ($5 fee on accounts that fall below $25,000)
  • Interest paid monthly on a balance of $500 or more
  • FREE ATM/Debit Card (to qualified customers)
  • FREE On-line banking access to your account!

If you want your balances to earn interest, while maintaining the convenient access of a checking account, the First Rate NOW Account is a great option. Get in touch with one of our Blue Diamond Service Representatives by clicking here and ask about getting started with your own First Rate NOW Account.


Growing Gold Account – Are you 50 years of age or older? You may have noticed that your checking account needs have changed. You aren’t writing as many checks any more. You’d like to be earning a little bit of interest on the money you do keep in your checking account, you don’t want to be paying any monthly service fees and, of course, having an ATM/Debit Card is very convenient…as long as it’s free. You need to check out the “Growing Gold Account” from First National Bank:

  • No monthly service fees
  • Unlimited free check writing
  • Interest paid monthly on a balance of $500 or more
  • FREE ATM/Debit Card (to qualified customers)
  • FREE On-line banking access to your account!

A “Growing Gold” Account is a great way to maximize the return on your dollars while eliminating fees and expenses. Get in touch with a Blue Diamond Customer Service Representative by clicking here or giving us a call during regular business hours to discuss your very own “Growing Gold” checking account.


Business Checking | Online Banking | ATM/Debit Cards | Passbook Accounts
Money Market Accounts | Certificates of Deposit | Health Savings Accounts | Christmas Club Accounts