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. See iBanking Services 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.

Student Checking

Free Checking for high school or college students age 16 to 21 while attending school. The minimum deposit to open this account is just $50. To find out more about this account, click here.

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.