Your community bank in Northwest Florida

(850) 769-3207

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Personal Checking

writing check

First National Bank Personal Checking

First National Bank Northwest Florida offers a variety of checking account options

When you shop around to see what’s being offered, we think you’ll find that dealing with our staff just might be one of the best moves you can make.

Personal Regular Checking

  • Minimum to open $100.00.
  • A maintenance fee of $7.50 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $750.00.
  • E-Statements: Free      Paper statement: $3.00 fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Personal Value Checking

  • Minimum to open $50.00.
  • No minimum balance requirements.
  • Monthly maintenance fee of $3.00.
  • E-Statements: Free      Paper statement: $3.00 fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Personal Regular Checking Senior
(Age 50 and over)

  • Minimum to open $50.00.
  • No minimum balance requirements.
  • No maintenance fee.
  • Unlimited transactions.
  • E-Statements: Free      Paper statement: $3.00 fee (Waived for Seniors)
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Personal School Pride

Students, teachers and staff from area high schools and colleges are eligible for this free checking account
(Students under 18 must have a parent or guardian on the account. A Personal Guarantee is required from a parent on Debit Card with a $250.00 limit.)

  • Minimum to open $20.00.
  • No Monthly  maintenance or activity fee (EStatements only)
  • No per check fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs (with parent signature)
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.
  • First Order of “School Pride” checks free – (School Pride checks are school specific with colors and mascot)

Personal Patriotic

All Military personnel and their families can open a free checking account with appropriate service ID. You do not need to be active duty.

  • Minimum to open $50.00
  • No Monthly  maintenance or activity fee (EStatements only)
  • No per check fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.
  • First Order of “Patriotic” checks free


Personal Senior Achiever

Customers 50 years of age & over have achieved the ability to participate in this account.

  • Minimum to open $100.00.
  • A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00.
  • Balances $1,000.00 and above will earn interest at the current rate for each tier.
  • Free Personalized Achiever Checks & Bank Checks.
  • Safe Deposit Box – 50% discount the first year.
  • E-Statements: Free      Paper statement: $3.00 fee (Waived for Seniors)
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Refer to the account disclosure information for precise terms and conditions.

Personal First Preferred

  • Minimum to open $500.00.
  • A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00.
  • Balances $1,000.00 and above will earn interest at the current rate for each tier.
  • E-Statements: Free      Paper statement: $3.00 fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Refer to the account disclosure information for precise terms and conditions.

Personal Money Market

  • Minimum to open $1,000.00.
  • A maintenance fee of $10.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00.
  • An excessive transaction fee of $10.00 will be charged for each debit transaction in excess of six per statement cycle.
  • Balances $1,000.00 and above will earn interest at the current rate for each tier.
  • E-Statements: Free      Paper statement: $3.00 fee
  • Free Online Banking and Bill Pay
  • MasterCard Debit card with no activity charges at our ATMs
  • MasterCard Debit card use at other ATM network may trigger a fee
  • International debit card use is restricted.

Refer to the account disclosure information for precise terms and conditions.

IMPORTANT ACCOUNT OPENING INFORMATION

Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.