Looking for an account with no Overdraft or Return Item fees? Our Access Debit account might be just what you need.
Access Debit Account Features:
- $4 monthly service fee
- $0 minimum deposit to open or minimum balance requirement
- No Overdraft or Return Item fees
- Spend only what's in your account - generally transactions will be declined and returned unpaid when you don't have enough money in your account¹
- Convenient access without checks – use your debit card or online banking to make purchases, pay bills, deposit checks and transfer money
- Free debit card replacement
- No Fees from us (other bank and ATM operators' surcharges may apply)
- Free statements - online or paper
- Free debit card fraud monitoring
- Free cashier's checks and incoming wires
- 0.25% rate discount on Auto, Home Equity and Personal Loans
- $200 Mortgage closing cost credit - see a Mortgage Loan Officer for complete details
- $25 Safe Deposit Box discount
Visit a branch or call us at 800-456-7735 to apply.
Documents & Disclosure
1 There are certain pre-authorized debit card transactions that First National Bank is required to pay that may take your account negative. Any fees charged to your account may also result in a negative balance. With the Access Debit account, you will not be charged Overdraft Item Fees for being inadvertently overdrawn.