Consumer Checking Accounts

Health Savings Accounts, or HSAs

HSAs are the latest news in affordable healthcare. HSAs combine a qualified High Deductible Health Plan (HDHP) with a Health Savings Account. The High Deductible Health Plan covers catastrophic illness and injury, while the Health Savings Account covers routine expenses until the deductible is met. HSAs offer a way to set aside funds to pay for today and tomorrow's medical expenses. Click here to find out more about HSAs.

YouFirst™ Free Checking

• No monthly service charge and no minimum balance
• Free Online Banking and eBill Pay
• Free MasterMoney Debit Card

YouFirst™ Synergy Checking

With a combined deposit and/or loan balance of $25,000, you’ll get a host of valuable benefits:

• Free Online Banking and eBill Pay
• Free MasterMoney Debit Card
• 4 free foreign non-FNBL ATM transactions per month
• 1/4% discount on selected consumer and personal loans*
• 1/4% premium on all non-promotional CDs
• Special premium rate tiered Money Market Account
• Free annual Financial Plan Review
• Free first order of checks
• No annual fee FNBL Credit Card
  *Rate does not apply to any preexisting loan or any second mortgage product

YouFirst™ Student Checking

• No minimum balance required
• Free Online Banking and eBill Pay
• Free MasterMoney Debit Card
• 4 Free Foreign Non-FNBL ATM Transactions

NOW Interest Checking

• Interest Bearing Checking Account
• $500 Minimum Opening Deposit
• $500 Minimum Balance to avoid monthly service charge of $5
• Rate of interest earned reflective of the balance of the account
  • Tiers as follow:
  • 0-$500
  • +$500
• A $0.15 per check fee charge is assessed when monthly balance falls below monthly minimum.

SuperNOW Interest Checking

• $2,500 minimum to open account
• Rate of interest earned reflective of the balance of the account
  • Tiers as follows:
  • 0 - $2,500 (earns no interest)
  • +$2,500 - $25,000
  • +$25,000 - $50,000
  • +$50,000
• If the account balance falls below $2500.00 any day during the monthly statement cycle a $10.00 fee will be charged