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A Personal checking account designed with everyone in mind. Our Personal Checking offers unlimited check writing, as well as additional optional services such as free online banking and bill pay, free e-mail alerts and other convenient features to save you time.




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 5 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:
  • Less than $500……………… $10.00 Monthly Fee
  • Between $500 - $750……… $8.00 Monthly Fee
  • Between $750 - $1,000…… $6.00 Monthly Fee
  • Greater than $1,000…………… No Monthly Fee


  • $100 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 is available through FNB Web Banking®. Not applicable to all notices.
  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.

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