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Account TypeMinimum Deposit to OpenRewardsInterest RateMonthly Maintenance FeeFree
UR Cashback Checking $50 1% Back on All Signature Based Debit Card Transactions* N/A $0 Online Banking


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Debit Card
Platinum Checking $50 N/A Tiered
See Rates
$2,500 and over = $0.00
$0.00 to $2,499.99 =$9.99***
Money Market** $50 N/A See Rates $0 If Monthly Balance is $2,500+***


*Signature-based debit card transactions are non-PIN based transactions. Examples would include any transaction where you physically sign for the purchase, most online shopping purchases, and transactions where you select "Credit" instead of "Debit" when prompted at the register. Always request the cashier process the transaction as a "Credit". Many stores do not require a physical signature on smaller purchases. These transactions would still be eligible for cash back as long as your PIN is NOT entered during the transaction. Only transactions received by First National Bank as signature-based transactions will qualify for the 1% cash back. No other electronic transactions, such as ATM or ACH, will receive cash back.

**You may make six (6) free withdrawals per month, additional withdrawals from money market accounts are $5.00 per withdrawal. Some withdrawals from money market accounts are restricted by federal regulations. Please refer to First National Bank’s depositor’s agreement and disclosures for additional information on restricted withdrawals.

***Monthly maintenance fee as follows (based on minimum balance during statement cycle):

  • Balance $2,500 and over: $0
  • $1,000-$2,499: $9.99
  • Balance less than $1,000: $11.99
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