Are you looking to open a personal checking account, but not sure where to start? Your lifestyle determines what kind of personal checking account works for you. Whether you're looking to protect against identity theft or a teen looking to open your own checking account, FNBT has an option for you. Open a checking account that’s fully loaded or just the basics - the choice is yours. Nobody does checking better than First National Bank and Trust. Select the account that sounds most like you. And if you’re unsure, let us help you find the checking account that’s right for you! 


All First National Bank and Trust personal checking accounts include:

  • Online Statements* & Check Images
  • Direct Deposit
  • 70,000 surcharge-free Allpoint and MoneyPass ATMs worldwide

Personal Checking Account Comparison Chart​​

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Features

one

Privilege Plus

Standard

Teen

Renew

The account packed with valuable benefits to save you time and money The account that rewards you for your relationship Low cost account with basic benefits The teen account for 16-17 year olds ready to start managing their own money The second chance for those with a less-than-perfect checking past
Open Now Open Now Open Now Open Now Open Now
one Checking Benefits Privilege Plus Benefits Standard Checking Benefits Teen Checking Benefits Renew Checking Benefits

Cell Phone Protection

-No

-No

-No

ID Theft Aid

-No

-No

-No

ID Monitoring

-No

-No

-No

Roadside Assistance

-No

-No

-No

$10,000 Travel Accidental Death Coverage

-No

-No

-No

Health Savings Card

-No

-No

-No

Earns Interest

-No

-No

-No

Foreign ATM Refunds*

-No

-No

-No

Discount on FNBT loan closing fees

-No

-No

-No

Privilege Plus Club Benefits

-No

-No

-No

-No

Bonuses on CD Rates

-No

-No

-No

-No

Overdraft Privilege

-No -No

Minimum Balance to open

$25 $100 $25 $25 $25

Monthly Service Charge

$6.95, or $5.95 for age 55+

$10,000 in total deposit balances to avoid $15 service charge

$0 per month with electronic statement

$3 per month with paper statement

$0

$7.95 with direct deposit, $9.95 without


*FNBT will refund the ATM fee another institution charges, up to two (2) per month.