FNBO app on phone

Access Debit Account

An Access Debit account with no Overdraft or Return Item fees. It's a good tool to teach thoughtful spending and financial responsibility.

Account Summary

  • Convenient access without checks – use your debit card or online banking to make purchases, pay bills, deposit checks and transfer money
  • Spend only what's in your account – We will attempt to return or decline transactions when you don't have enough money in your account*
  • Free debit card replacement
  • No ATM fees from us (other bank and ATM operators' surcharges may apply)
  • No minimum deposit to open or minimum balance requirement

Additional Features

Debit Cards

Visa® Debit Cards are available on all checking accounts, providing the purchasing power you need.

Apple PayTM

Make payments with your Apple device at hundreds of stores.

Visa SRC

Shop faster online with pre-entered card and address information with Visa Remote Commerce (Visa SCR).

Samsung Pay

Pay almost anywhere you can swipe or tap.

Online Banking

Manage and organize your finances 24/7.

Paperless Statements

Save time and reduce clutter by receiving statements via email.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

Automatic Payments

With free online BillPay, set up payments on a one-time or recurring basis. It's quick and easy.

Guide to your Checking Account (PDF)

View your Deposit Agreement (PDF)

* There are certain pre-authorized debit card transactions that First National Bank is required to pay that may take your account negative. Any fees charged to your account may also result in a negative balance.  With the Access Debit account, you will not be charged Overdraft Item Fees for being inadvertently overdrawn.