First National Bank Lifestyle Checking
The First National Bank Lifestyle Checking account is designed to be a step above the basic checking account. It has the features of the First National Bank Freestyle Checking account, but also has a completely free 3" x 5" safe deposit box (a unique feature), free paper statements, and more. The First National Bank Lifestyle Checking account also earns interest -- although a relatively low APY -- on balances of $2,500 or more. To waive the monthly fee, you'll need a $1,000 average daily balance or $10,000 in combined First National Bank deposit or loan balances.
First National Bank Premierstyle Checking
The First National Bank Premierstyle Checking account is First National Bank's top-tier checking account. It pays interest on balances of $1,000 or more, and offers some valuable perks, such as free stop payment requests, free custom checks, a free safe deposit box, no overdraft fees, and more. However, it has a $25 monthly fee, which can be waived with an average daily balance of $7,500 or combined First National Bank balances of $25,000.
First National Bank eStyle Account (Checkless)
First National Bank offers two types of "checkless" checking accounts, known as the eStyle and eStyle Plus accounts. Both have no overdraft fees, and are designed for customers who exclusively use digital methods (or ATM/debit cards) to pay bills and send money. They offer free online bill pay, the ability to send and receive money with Zelle, and more.
The eStyle account doesn't earn interest, and has a $5 monthly fee that can be waived by setting up direct deposit or by completing at least five transactions per month. It doesn't have a ton of features, but is a solid product for customers who want a basic checking account and don't really need to write physical checks.
First National Bank eStyle Plus Account (Checkless)
As mentioned, First National Bank offers two types of "checkless" checking accounts, known as the eStyle and eStyle Plus accounts. The eStyle Plus account is the premium version.
For starters, the eStyle Plus account has a higher monthly service charge than the basic eStyle account, but it earns interest on balances from $0 to $2,500. The eStyle Plus also comes with $12 in monthly ATM fee reimbursement, while the eStyle does not. The eStyle Plus account has a $25 monthly charge, which can be waived with an average daily balance of $1,000 or more (or $25,000 in combined First National Bank balances).