Checking That Works as Hard as You Do
Let’s redefine how you think about banking! At First National Bank of America, we believe that your money should work just as hard as you do, without the constant juggling of funds between checking and savings to chase a better rate. That’s why we created four checking account options, including one that rewards you with exceptional interest-earning potential. No matter which account you choose, you’ll enjoy access to banking professionals who treat you like family and deliver the kind of exceptional service you deserve. Simple, rewarding and designed around real life.
This is checking the way it should be.
Elevate
your Balance with
an APY as high as
4.50% APY*
Open an Elevate Checking online or visit one of our
branch locations for our other account options!
Elevate Checking
Taking your balance to new heights is easy with a tiered rate checking account, designed to reward you most on the money you keep in your checking account to cover your everyday expenses.
HomeTowne Checking
Earn more, save more with a checking account that makes your money work harder with competitive interest and no hoops to jump through.
Simple Checking
Make everyday banking effortless with our Simple Checking. Enjoy the convenience of online and mobile banking, earn interest on your balance with only $100 needed to open the account.
Personal Checking
Perfect for anyone who wants easy ATM access and no hassles when keeping just a small checking balance. Ideal for young adults or students just starting out with their first checking account.
Ready to Redefine Your Banking?
HomeTowne Checking
Interest Bearing Checking Account: Earn More, Save More!
Earn a competitive interest rate
Online & Mobile banking
Unlimited check writing
$1,000 minimum to open
Maintain a $1,000 minimum daily
balance to avoid service fees*
See the Great Rates Available in Your Area
Other Checking Account Options
Simple Checking
- Interest Bearing Account
- $100 minimum to open
- Online & Mobile banking
- Maintain a $500 minimum daily balance or $750 avg. daily balance for a statement cycle to avoid monthly service fees*
Personal Checking
- $100 minimum to open
- ATM Card
- Maintain a $100 minimum daily balance or $350 average daily balance for a statement cycle to avoid fees*
*If balance falls below the minimum, the account will be assessed a fee based on the First National Bank of America fee schedule.
Elevate Checking is a tiered, variable-rate account with a minimum opening deposit of $1,000 of new money. *To qualify for the monthly interest reward (4.50% APY) you must meet the following minimum checking account requirements each statement cycle: (1) make 10 debit transactions on this account during the statement cycle, (2) maintain at least a $1,000 average daily balance in the account, (3) receive an aggregate of $1,000 or more in electronic fund credits of new money during the statement cycle, (4) sign-in to your account at least once using mobile or online banking. New money is defined as money received from another financial institution and not transferred between accounts at FNBA. Statement Cycle is defined as the monthly recurring time period between two consecutive account statements (i.e. Sept 5th through October 4th). Balance information and interest crediting: If you meet the minimum qualification requirements during the monthly Statement Cycle, 4.50% APY will apply to balances up to $20,000.00; 2.00% APY will apply to balances of $20,000.00-$50,000.00; 2.25% APY will apply to balances of $50,000.00 – $100,000.00; 2.50% APY will apply to balances of $100,000.00 – $1,000,000.00 and an APY of 2.60% for balances of $1,000,000.00 or higher. Each interest rate will apply only to the portion of the account balance that is within the specified range. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each monthly Statement Cycle using an Average Daily Balance Method. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the Statement Cycle. The average daily balance is calculated by adding the balance in the account for each day of the Statement Cycle and dividing by the number of days in the Statement Cycle. General information: All Elevate Checking Accounts in which reward qualifications are not met will earn 0.01% APY for the entire balance. If you close your account before interest is paid, you may not receive the accrued interest. Only one Elevate Checking per Social Security number.