Checking Accounts

HomeTowne Checking

  • Best money market rate in town – Guaranteed**
  • Provides all of the conveniences of a regular checking account
  • Unlimited check-writing
  • FREE Online banking, FREE bill payment, FREE debit/ATM card
  • Mobile and Text Banking
  • $1,000 to open/ $1,000 minimum balance*

Personal Checking

  • $100 to open
  • $100 minimum balance or $350 average daily balance for the statement cycle*
  • Free ATM/Debit Card

Simple Checking

  • $100 to open
  • $500 minimum balance or $750 average daily balance for the statement cycle*
  • Free ATM/Debit Card
  • Interest Bearing Account

*If balance falls below the minimum, the account will be assessed a fee based on the First National fee schedule

**First National will match or beat any money market savings rate from an FDIC insured bank in East Lansing, Grand Rapids, or Traverse City, Michigan based upon where you reside. “Match or Beat” rates will be determined monthly and changed accordingly – rate specials lasting 6 months or less and rates with additional deposit or loan requirements are excluded. Not available for businesses.