First National Bank (fnb-online.com) is the second largest bank based in Pennsylvania with over 150 years of experience. It was established in 1864 and is headquartered in Pittsburgh, Pennsylvania. The bank has approximately 350 banking offices with branches throughout Ohio, Pennsylvania, Maryland, West Virginia, North Carolina, South Carolina, Virginia and Washington, D.C. Member FDIC.
First National Bank (FNB) offers a full selection of product offerings, including savings, checking, and money market accounts. For their checking accounts, they offer 5 different products to cater to all user needs with features such as online and mobile banking and free debit cards. Learn more about their 5 different checking accounts below.
READ MORE: WELCOME OFFERS FROM AXOS AND CHASE.
First National Bank Checking Account Features
FNB offers a full range of banking services including 5 different personal checking accounts. With that many choices, there are enough features to meet the needs of all users. Here is a comparison of their 5 personal checking accounts.
| Freestyle Checking | Lifestyle Checking | eStyle Account | eStyle Plus Account | Premierstyle Checking | |
|---|---|---|---|---|---|
| Earns interest | – – | $2,500+ 1 | – – | $0-$2,500 1 | $1,000+ 1 |
| Free custom checks 13 | – – | – – | – – | – – |  |
| Free 3″ x 5″ safe deposit box 10 | – – | | – – | – – | |
| Free first order of checks 11 | – – | 40 custom checks 2 | – – | – – | – – |
| Free paper statements 9 | – – | | – – | – – | |
| Monthly service charge | – – | $10.00 | – – | $25.00 | $25.00 |
| No overdraft fees 12 | – – | – – | | | – – |
| Monthly Service Charge waived with min. balance | – – | $1,000 3 | – – | $1,000 3 | $7,500 6 |
| Monthly Service Charge waived with direct deposit | – – | – – | | – – | – – |
| Monthly Service Charge waived with combined balances | – – | $10,000 4 | – – | $25,000 5 | $25,000 7 |
| Monthly Service Charge waived with 5 transactions each month | – – | – – | | – – | – – |
| FNB fees refunded for using non-FNB ATM | – – | – – | – – | – – | |
| Refund other bank’s ATM fees | – – | – – | – – | Up to $12 per stmt | Up to $15 per stmt |
TRENDING DEAL:
Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More
Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.21% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
All 5 checking products also offer the following features:
- Free to add your FNB Visa® debit or credit card with free Apple Pay®, Samsung Pay®, or Google Pay™
- Surcharge-free cash access at more than 1200 FNB ATMs
- Convenient and free deposits at FNB branches, ATMs or through Mobile Banking 8
- Convenient Online and Mobile Access 8
- Deposit checks quickly and easily for free using your supported phone with Mobile Banking
- Turn your FNB debit cards on or off, or restrict how and where they can be used with CardGuard™
- Transfer money between your FNB accounts in Online and Mobile Banking or send money to external accounts using Online Banking.
- Set up alerts to help you stay on top of your activity and balances.
- Make convenient one-time or recurring payments through your desktop or mobile phone with Online Bill Paying
- Send and receive money quickly and easily with Zelle®– and best of all, the funds deposited typically within minutes 13 (only available after late September 2021 for instant deposit).
Notices & Disclosures:
- Minimum daily balance required to earn interest
- Limitations may apply.
- Average daily balance required to avoid monthly service charge
- Combined average daily balance for the preceding month in any combination of checking, savings, CDs, IRAs, Money Market accounts and consumer loan balances.
- Combined minimum daily balance for the preceding month in any combination of checking, savings, CDs, IRAs and Money Market accounts.
- Minimum daily balance required to avoid monthly service charge.
- Combined minimum daily balance for the preceding month in any combination of checking, savings, CDs, IRAs, Money Market accounts or consumer loan balances.
- Online Banking, Bill Pay, Mobile Banking and Telephone Banking are free to customers with an eligible account; however, there may be a fee for certain optional services. Mobile data and carrier fees may apply.
- There may be a fee for paper statements which you can avoid by signing up for electronic delivery of your monthly account statement.
- Safe deposit box subject to availability
- Free first order of checks subject to limitations
- FNB will decline or return transactions when you do not have sufficient funds available in your account to cover a transaction, but cannot prevent your account from being overdrawn. If your account is overdrawn, you will not be charged an overdraft fee. You are responsible for any transactions that overdraw your account and returning your account to a positive balance.
- To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- FNB Member FDIC
READ MORE: SEE THESE CASH BACK SHOPPING OFFERS AND PROMOTIONS FOR BONUS CASH AND REWARDS
Bottom Line
With several different checking accounts, each with its own unique balance of features, there is something for everyone.
See more from First National Bank:
- First National Bank’s $700 Common Sense Bundle [PA, OH, MD, DC, VA, NC, SC, WV] – Ends 7/17/25
- First National Bank: Earn $800 Business Checking Bonus – Ends 12/31/24
- First National Bank $1,000 Business Checking Bonus [DC, MD, NC, OH, PA, SC, VA, WV] – Ended
- First National Bank $350 Checking Account Bonus [DC, MD, NC, OH, PA, SC, VA, WV] – Ended
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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