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This account allows you to earn interest on your deposits while maintaining unlimited check writing privileges, and can be linked to overdraft protection upon approval. Accounts earn interest when the daily balance is $1,500.00 or more each day of the cycle.


Unlimited check writing
Free Bank by Phone
FNB Web Banking™
Bill Pay
ATM or Debit Card available
Monthly statements
Earn Interest by Maintaining Minimum Balance of $1,500.00 Every Day of the Statement Cycle
Checks imaged
Open to individuals, sole-proprietorships, governmental units, and non-profit organizations






$15.00 (Waived by Maintaining Minimum Balance of $1,500.00 Every Day of the Statement Cycle)
Other fees may apply






  • $100 minimum to open
  • Government issued picture identification (drivers license, passport, etc.)
  • Social security number
  • ChexSystems® verification

Visit any of First National Bank's convenient Texas locations to open a checking account today.