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Perfect for individuals who prefer debit card rewards. Earn 1pt for every $3.00 spent on signature-based debit card purchases6.




To receive your $5.00 Cash Back Reward your personal checking account must meet the following requirements. Your account must be:
  • Enrolled in My eDocs
  • Open Over 30 days
  • In Active Status
  • 1 Direct Deposit a Month into Your Personal Checking Account
  • 10 Debit Card Transactions a Month*
  • Make 3 Bill Payments Online through My Bill Pay
*Applicable only for point-of-sale signature based transactions, online purchases, recurring purchases and Personal Identification Number (PIN) based transactions of $5.00 or greater.


  • Check Imaging Available4
  • Add-On Savings Option Available
  • Free Combined Statements Available
  • Overdraft Protection Option Available5


Calculated by using your Average Monthly Collected Balance:
  • Monthly fee: $7.00
  • Monthly fee waived if: Maintain a Cumulative Monthly Direct Deposit of $500.00 or greater. Or by
  • Maintaining an average collected monthly balance greater than $750.00


  • $50 minimum to open
  • Government issued picture identification (drivers license, passport, etc.)
  • Social security number
  • ChexSystems® verification
  1. Terms, conditions and additional fees may apply. My eDocs Electronic Statements is available through FNB Web Banking®. Not applicable to all notices. No fee for check images returned with eDocs Electronic Statements.
  2. Web and text messaging access are needed to use My Mobi. You may be charged standard fees for text messaging and Internet access depending on your mobile device carrier.
  3. Card Fees may apply. Refer to the Schedule of Fees disclosure
  4. $10.00 monthly fee for check images returned with your statement
  5. Refer to Overdraft Privilege Program and the Schedule of Fees disclosure.
  6. Applicable only for point-of-sale, signature-based purchases.

Visit any of First National Bank's convenient Texas locations to open a checking account today.