First National Checking

Are you tired of checking fees from your bank? We think you deserve better, so we created First National Checking that keeps the "R" in fRee. Honest banking with no strings attached, just the way you like it.

Account Features:

  • A No Surprise Checking Account with No Hidden Fees
  • One Overdraft Forgiveness every 12 months
  • Free circle one atm and non - circle one atm Withdrawals (Other bank and ATM Operators' surcharges may apply)
  • Free Bank Logo Checks
  • Free Debit Card with No Monthly Service Fees
  • Free Online Banking, BillPay, and Account Alerts
  • Free Mobile Banking - Pay Bills, Deposit Checks and Transfer Money
  • .25% Rate Discount on Auto, Home Equity and Personal Loans
  • $200 Mortgage Closing Cost Credit - See a Mortgage Loan Officer for complete details
  • Free Statements - online or paper
  • $25 Safe Deposit Box Discount
  • Free Debit Card Fraud Monitoring
  • Free Cashier's Checks
  • Free Incoming Wires
  • Free Stop Payments

New Checking Customers
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Existing Customers
Upgrade Now

Frequently Asked Questions

  • Q: Will I have to change my account number or get a new debit card?
    A: No, there will be no change to your account number or a need to get a new debit card. Everything about your account will stay the same - plus all the great new benefits.
  • Q: You say this is a free checking account with no hidden fees - what's the catch?
    A: There's no catch. First National Bank has a history of doing what's right for our customers. You told us you were concerned about fees and we listened.
  • Q: How long will this offer last?
    A: It's not an offer - it's how we do business. You can expect First National Checking to be this way for a long time to come.
  • Q: I'm a business customer. Can I get the same benefits on my business checking account?
    A: First National Checking is a consumer product only, at this point, but we continually look for ways to enhance all our products and services.
  • Q: How does the Overdraft Forgiveness work? Will the Overdraft Fee automatically be reversed?
    A: Overdraft Forgiveness will waive one overdraft or NSF every 12 months from the date of an occurrence. For example, if an Overdraft/NSF occurs on 12/15/13, the next time one will be automatically waived would be 12/15/14. If eligible to receive an Overdraft Forgiveness at the time, the fee will be automatically waived.
  • Q: How quickly will you forgive the overdraft fee?
    A: We will be able to confirm and issue the forgiveness the same business day - automatically.
  • Q: What's your tolerance for overdrafts with the new account?
    A: Our tolerance has increased significantly from $5 to $20 – we will not charge an overdraft fee on any account that is overdrawn by $20.00 or less. Plus, we've eliminated the continuous overdraft fee and decreased the number of items assessed from 6 per day to 4 per day.
  • Q: What impact will First National Checking have on safe deposit box fees?
    A: First National Checking offers a $25 annual safe deposit discount. There are a limited number of safe deposit boxes available and this offer is subject to availability.
  • Q: Will the annual line of credit fee remain?
    A: There are no changes to the line of credit account or fees at this time. The $50 annual fee remains for all accounts, except First National Premier Checking accounts.
  • Q: What if I want to earn interest on my account?
    A: First National Checking is non-interest bearing. If you want to earn interest on your checking account, you can upgrade to First National Premier Checking which pays interest when you maintain an average daily balance in deposit relationships of $15,000 or more. Also, adding a savings or money market account that links to your First National Checking account will earn interest and help protect against potential overdrafts.

Overdraft Forgiveness

With First National Checking and First National Premier Checking, you'll automatically receive one free overdraft forgiveness every 12 months from the forgiveness date.*

We understand that mistakes happen and that overdrawing your account can happen to anyone. Be sure to protect your account with one of our various overdraft protection options.

  • Automatic Transfers - With a First National Savings or Money Market account, you can have funds automatically transferred to the designated checking account in the amount necessary to bring your account positive.
  • Line of Credit - With a First National Line of Credit, funds will advance automatically to your checking account in $200 increments.
  • Courtesy First - Courtesy First is an overdraft privilege that authorizes us to pay overdrafts when your account does not have sufficient funds (after the one free overdraft forgiveness, standard overdraft fees apply). Contact a Personal Banker to decide which option is best for you and set-up your account.

    Learn More

First National Premier Checking

In addition to all the benefits of First National Checking, if you maintain an average daily balance of $15,000 in all your First National deposit accounts and you'll receive:

  • Competitive Interest Rate
  • $400 Mortgage Closing Cost Credit – See a Mortgage Loan Officer for details

Banking Cards

At First National Bank, customers have quick and easy access to cash any time, across the globe. You can choose to access cash from any Interlink, NETS or PLUS System ATM worldwide using our 24 Hour Bank Card or debit card. First National Bank Visa® Debit Cards* provide purchasing power.

Visa® Debit Card

  • Just present your card at the merchant and sign your receipt
  • Purchase amount is automatically deducted from your First National Bank checking account
  • No monthly fee
  • Make up to $3,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)**
  • No transaction fees
  • Visa's Zero Liability*** when you use your Visa Debit Card to make purchases

** A surcharge may be assessed by the financial institution that owns the ATM.

*** Visa's Zero Liability policy covers U.S issued cards only and does not apply to ATM transactions, PIN transactions not process by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

24 Hour Bank Card

  • 24/7 access to the cash in your account at any Interlink, NETS or PLUS System ATMs worldwide*
  • Up to $600 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs worldwide (provided adequate funds are available)**
  • Accepted at stores displaying the Interlink or NETS symbol
  • ATM withdrawal amount is automatically deducted from your checking or savings account

* Available on a First National Bank checking or savings account. Subject to qualifications.

** A surcharge may be assessed by the financial institution that owns the ATM.

Platinum Debit Card

  • A high-performance debit card with greater purchasing power and cash accessibility
  • The amount of your purchase is automatically deducted from your First National Bank checking account
  • No monthly service fee
  • Make up to $10,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs (provided adequate funds are available)**
  • No transaction fees
  • Visa's Zero Liability*** when you use your Visa Debit Card to make purchases

* Available on First National Bank checking account only. Subject to qualifications.

** A surcharge may be assessed by the financial institution that owns the ATM.

*** Visa's Zero Liability policy covers U.S issued cards only and does not apply to ATM transactions, PIN transactions not process by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Show your Support Visa® Debit Card

When you carry any Show Your Support Debit Card*, you will receive the following great benefits:

  • Instant Local Discounts. Opportunities vary per card.
  • Special 2-for-1 Ticket Opportunities** and Entry into the Ultimate Game Day Experience Sweepstakes
  • FREE University Logo Checks
  • Support University Scholarships*

Select a card to learn more about the discounts available.

 

*A $3 monthly fee applies. 50% of the $3 monthly fee goes to fund UNL/Creighton University scholarships. Thank you for showing your support!
**For select sports as determined by the Universities.

* Available on First National Bank checking accounts only. Subject to qualifications.

We will make reasonable efforts to pay overdraft items if your account is in "good standing." If not in good standing, overdraft privileges will be removed. "Good Standing" means that you; (1) make sufficient deposits to bring your account to a positive end of day balance at least once each 30 calendar days (including payment of all bank fees and charges); (2) avoid excessive overdrafts; and (3) there are no legal orders, levies or liens against your account. We will pay overdrafts for checks and other transactions made using your checking account number, automatic bill payments (ACH and recurring debit transactions), and if you give us your permission, we will also authorize and pay overdrafts for ATM and everyday debit card transactions. A $33 Overdraft item fee will be applied for each additional overdrawn item (maximum of 4 per day) after your one free Overdraft Forgiveness per 12 months is utilized.