Personal Checking Services

We combine highly personal service with state-of-the-art technology so that you can manage your funds with greater ease and accessibility. Make the most of your account with these services.

Free Online and Mobile Banking, including Bill Pay and eStatements!

Manage your money anywhere, anytime with Online and Mobile banking! Check balances, view transactions, pay bills, transfer money between accounts, and more--banking has never been easier! Learn more about our online banking services.


Send money to individuals quickly and easily by using their email address or mobile number. Money received in as little as one business day. You can also set up future or recurring payments.

A2A Transfers

Get your money where it needs to be with Account-to-Account transfers. You can transfer funds between your First National accounts or your checking accounts at other financial institutions.

Debit and ATM Card

With a First National Visa debit card, you'll have the buying flexibility you need whether you're making a trip to the corner grocer, traveling out of town or shopping online. Leave your checkbook at home and enjoy the convenience of a debit card at millions of locations worldwide.

You can also use your debit/ATM card to get cash at over 35,000 Allpoint ATM locations in the US and abroad without paying a surcharge fee! Find an Allpoint ATM near you now! 

Bank by Phone

Call our automated FoneFirst system at 992-BANK (2265) anytime for balances, account activity and funds transfers between your First National accounts.

Need to talk to a Personal Banker? Call our Telephone Customer Care center at 992-2000. Our local staff is made up of highly trained professionals dedicated to assisting with you with your banking needs by phone Monday-Friday 8am -5pm and Saturday 8:30am – Noon MST.

Direct Deposit

Skip a trip to the Bank! Save time by having your payroll, social security or retirement checks automatically deposited into your checking account.


Save paper by letting us store your check images for you. Check copies are available if needed, or you can always view your check images through Online Banking.

Overdraft Protection

First National offers three convenient overdraft plans to give you extra coverage when you need it most.

  • Transfer Plus - funds are automatically transferred from your savings account
  • QuickDraw - personal line of credit attached to your checking account
  • CheckPay - discretionary overdraft privilege

Click here to learn more about our overdraft protection options.