Girl working on laptop

Checking Accounts

We offer a variety of checking accounts to fit all of your banking needs!

Whether you are looking for an account loaded with benefits, a special account for seniors (60 years of age or better), a very basic checking, or an interest-bearing checking account, we have just the right one for you!

Account First Plus First Plus Gold First Chance E-Checking Now Money Market
Minimum Requirements to Open $50 $50 & must be 60 years of age or better $50 $25 $1,000 $2,500
Monthly Service Charge $10.99 N/A N/A $5 waived if enrolled in estatements $10 if balance below $1,000 $15 if balance below $2,500
Interest Bearing N/A N/A N/A N/A Yes Yes
Statement Images Yes Yes N/A N/A Yes Yes
Free Online Banking Yes Yes Yes Yes Yes Yes
Free Mobile Banking Yes Yes Yes Yes Yes Yes 
Free Online Bill Pay Yes Yes Yes Yes Yes Yes
Free Direct Deposit Yes Yes Yes Yes Yes Yes
Free Debit Card Yes Yes N/A Yes N/A N/A
Unlimited Checking Yes Yes Yes Yes Yes No
Overdraft Services Yes (with approval)
Discounted overdraft item
only $24.99, max. of 5 per day
Yes (with approval) Apply after 30 days Apply after 30 days Apply after 30 days No
Free Checks Yes (2 boxes of club checks
free per year)
Yes (1 box of club checks
free per year)
N/A N/A N/A N/A
No-fee Notary Service Yes Yes N/A N/A N/A N/A
No-fee Signature Guarantee Yes Yes N/A N/A
N/A
N/A
Cell Phone Protection Plan Yes N/A N/A N/A N/A N/A
Roadside Assistance Plan Yes N/A N/A N/A N/A N/A
$20,000 AD&D Insurance Yes Yes* Yes* N/A Yes* N/A
Vision Care Savings Yes Yes* Yes* N/A Yes* N/A
CyberScout Yes Yes* Yes* N/A Yes* N/A
Discount on Safe Deposit Box Yes Yes N/A N/A N/A N/A

*PLATINUM PACKAGE may be added to any First Plus Gold, First Chance or NOW checking accounts for a low fee of only $4.99 per month. Platinum Package benefits include $20,000 AD&D Insurance, Cell Phone Protection Plan, Roadside Assistance Plan, CyberScout (identity theft assistance from start to finish), Vision Care Savings (eyeware and eyecare discounts), and one box of complimentary personalized club checks per year.

Enjoy unlimited check writing with extra benefits!

  • $50 Minimum to open
  • $10.99 monthly service charge
  • No minimum balance requirement
  • Roadside Assistance Plan
  • Cell Phone Protection plan
  • Two boxes of single personalized club checks per year at no charge
  • $20,000.00 AD &D insurance
  • Vision Care savings (eyewear & eyecare discounts)
  • CyberScout (identity theft assistancefrom start to finish)
  • No monthly service charge on Visa Debit/ATM Card
  • No-fee notary service
  • No-fee medallion signature guarantee
  • Annual fee waived on Christmas Club savings account
  • Safe deposit box rental discount
  • Overdraft services available (with approval)
  • Discounted overdraft item fee* (only $24.99, maximum of five per day)
  • Discounted return item fee (only $24.99, maximum of five per day)
  • Monthly statement with check images, and much more!

*Overdraft services available with approval.

Age 60 or better? Enjoy unlimited check writing with added perks!

  • $50 Minimum to open
  • No monthly service charge
  • No minimum balance requirement
  • One box of personalized checks per year at no charge
  • Debit/ATM card included
  • No-fee notary service
  • No fee medallion signature guarantee
  • Safe deposit box rental discount
  • Overdraft services available(with approval)
  • Monthly statement with check images
Back to Basics: Simple checking

  • $50 Minimum to open
  • No monthly service charge
  • No minimum balance requirement
  • Monthly statement without check images
  • Overdraft services available after 30 days (with approval)
Simple checking with online statements.

  • No minimum balance requirement.
  • No monthly service charge for ATM/Debit Card.
  • Must enroll in e-statements to avoid $5 monthly service charge.
Enjoy unlimited check writing plus earn interest!

  • $1,000 Minimum to open
  • Interest will be credited and compounded monthly
  • Interest paid each statement period on daily minimum balance of $1000
  • Free online banking
  • Monthly statement with check images
  • $10 service charge if balance falls below $1,000 during the monthly statement statement cycle
  • Overdraft services available after 30 days (with approval)
First National Bank Winnsboro app on phone

Mobile Banking


Seamless access to your accounts with our feature packed mobile banking app.