Bonus Checking

Sure we could talk about how convenient this checking account is, but let's cut to the chase: you get paid just for using it! That's right, a high-interest checking account that earns even more than a CD. We're talking a whopping 2.00% APY!* Now add nationwide ATM fee refunds and unlimited check writing. Clearly, these are rewards worth signing up for.

Bonus Checking
  • Balances up to $15,000 – APY of 2.00%
  • Balances from $15,000.01 - $25,000 - APY's from 2.00% to 1.21%
  • Balances from $25,000.01 - $250,000 – APY's from 1.21% to 0.14%
  • Balances over $250,000 – APY's from 0.14% to 0.08%
  • Earn 0.02% APY* on average collected balance if monthly qualifications are not met
  • Customers qualify for our Bonus Savings account
  • One free order of specialty checks per year
  • Unlimited check writing
  • Nationwide ATM fee refunds (up to $20 monthly)
  • Unlimited check writing
  • Free Visa® debit card
  • Free online banking with bill pay
  • Free check images
  • Free E-Statements
  • Free mobile banking
  • Free telephone banking
  • Direct deposit available
  • FDIC insured


It doesn't take much to meet the easy qualifications each month. Heck, you're probably already doing it! Simply do the following each monthly statement cycle:

  • Have 1 direct deposit or ACH auto debit post and clear during the qualification cycle
  • Make 10 First National Visa debit card purchases that post and clear during the qualification cycle (excluding ATM transactions)
  • Receive E-Statements

View our current rates.

* APY – Annual Percentage Yield. APY is accurate as of 07/15/14. Rates may change after the account is opened. Fees may reduce earnings on the account. Earn 2.00% APY on daily collected balances up to $15,000, daily collected balances $15,000.01 to $25,000.00 - APY of 2.00% - 1.21%, daily collected balances of $25,000.01 to $250,000.00 - APY of 1.21% to 0.14%, daily collected balances over $250,000.00 - APY of 0.14% - 0.08% during each statement period when requirements are met. Qualification cycle = Statement Cycle. Statement period requirements are a least one Automatic Payment or Direct Deposit post and clear per qualification cycle, at least 10 debit card transactions post and clear per qualification cycle (excluding ATM transactions), and your monthly account statement delivered electronically (E-Statement). If you do not meet the requirements you will earn 0.02% APY on the average collected balance on the date of the statement. ATM fee refunds up to $20 per cycle when qualifications are met. Minimum balance of $0.01 required to open the account. Minimum balance of $100.00 to avoid a $5.00 fee per statement cycle. 0.08% APY is calculated on a balance of $500,000.00.