Personal Checking

Review this page to see which type of Checking Account fits your individual needs and lifestyle! Sign up for a Personal Checking Account and receive free On-Line Banking including account access, transaction images, account transfers and payment of FNB loans. Electronic bill payment is available at a nominal charge. Click "About On-Line Banking" for more information.  

For Deposit Account Rates, please click here. 

Regular Checking As little as $100.00 opens this account and, to avoid service charges, you must maintain a minimum balance of $300.00. Regardless of your balance, service charges will never exceed $5.00 per month. This account offers unlimited check writing and the return of check images with your statement. 

Regular Checking - Seniors (62+) With complimentary wallet-style checks and no minimum balance for individuals age 62 and over, this account is a superb choice for people entering their golden years. You'll need $100.00 to get started.

Royal Checking Open this account for $100.00 and start enjoying the fringe benefits right away! This account includes many valuable perks: free personal checks (2 orders/year); free travelers checks, money orders, and cashiers checks; free first year on safe deposit boxes (2x5 subject to availability); free signature guarantee; free overdraft protection; free photocopies (10/month); free debit card, and free bank by phone. Royal customers receive lower rates on consumer loans with direct debit, higher rates on selected CDs, and are not charged a mortgage application fee. A service charge of $10.00/month will be imposed every statement cycle if the average balance of your total deposit relationship (all savings, checking, and CDs of which you are an owner) is less than $10,000.00.

Royal Blue Checking (55+) If you are 55 years of age or older, you can open this account for only $100.00 and enjoy the following features free of charge: free personal checks; free travelers checks, money orders, and cashiers checks; free first year on safe deposit boxes (2x5 subject to availability); free signature guarantee; free photocopies (10/month), free debit card and free bank by phone. Royal account holders receive lower rates on consumer loans with direct debit, and  higher rates on selected CDs. A service charge of $3.00/month will be imposed every statement cycle if the average balance of your total deposit relationship (all savings, checking, and CDs of which you are an owner) is less than $5,000.00.

 Money Market Checking Account* $1,000.00 opens this account and to avoid a monthly service charge of $5.00, a balance of $1,000.00 is required. This account earns interest and it is calculated daily based on the principal in the account. Interest is posted to the account monthly. Interest on non-cash deposits begins the day of transaction.

Now Account* This interest-bearing account can be opened with a minimum of $1,000.00. To avoid a monthly service charge of $7.00, a balance of $1,000.00 is required. Non-cash deposits earn interest on the day of deposit. Interest is calculated using the daily balance method based on principal in the account.

* Your interest rate and annual percentage yield may change.
Please contact your nearest branch office for complete account disclosures. 

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