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Personal Checking

Review this page to see which type of Checking Account fits your individual needs and lifestyle! Sign up for a Personal Checking Account and receive free Online Banking including account access, transaction images, account transfers and payment of FNB loans. Electronic bill payment is available at no charge. See iBanking Services for more information.

Regular Checking

As little as $100.00 opens this account and, to avoid service charges, you must maintain a minimum balance of $200.00. Regardless of your balance, service charges will never exceed $5.00 per month. This account offers unlimited check writing and the return of check images with your statement.

Regular Checking - Seniors (62+)

With complimentary wallet-style checks and no minimum balance for individuals age 62 and over, this account is a superb choice for people entering their golden years. You'll need $100.00 to get started.

Royal Checking

Open this account with a resulting combined balance of $25,000.00, with a Royal Savings and Royal Checking account, and start enjoying the fringe benefits right away! This account includes many valuable perks: free personal checks (2 orders/year); free money orders, and cashiers checks; free first year on safe deposit boxes (2x5 subject to availability); free signature guarantee; free overdraft protection; free photocopies (10/month); free MasterMoney® card, and free bank by phone. Royal customers receive lower rates on consumer loans with direct debit, higher rates on selected CDs, and are not charged a mortgage application fee. A service charge of $25.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $25,000.00. Your total deposit relationship is all Royal Savings and Royal Checking accounts of which you are the primary owner, on either individual or joint accounts. Learn more.

Royal Blue Checking (55+)

If you are 55 years of age or older, you can open this account with a resulting combined balance of $10,000.00, with a Royal Savings and Royal Blue Checking account, and start enjoying the fringe benefits right away! This account includes many valuable perks: free personal checks (2 orders/year); free money orders, and cashiers checks; free first year on safe deposit boxes (2x5 subject to availability); free signature guarantee; free overdraft protection; free photocopies (10/month); free MasterMoney® card, and free bank by phone. Royal customers receive lower rates on consumer loans with direct debit, higher rates on selected CDs, and are not charged a mortgage application fee. A service charge of $10.00 will be imposed every monthly cycle if the average balance of your combined total deposit relationship is less than $10,000.00. Your total deposit relationship is all Royal Savings and Royal Blue Checking accounts of which you are the primary owner, on either individual or joint accounts. Learn more.

Student Checking

Free Checking for high school or college students age 16 to 24 while attending school. The minimum deposit to open this account is just $25. To find out more about this account, click here.

FNBT Military Account

If you are Active or Retired U.S. Military, a Reservist, a Veteran or in the National Guard, please consider the benefits of an FNBT Military Account. Learn more.

Money Market Checking Account*

$1,000.00 opens this account and to avoid a monthly service charge of $5.00, a balance of $1,000.00 is required. This account earns interest and it is calculated daily based on the principal in the account. Interest is posted to the account monthly. Interest on non-cash deposits begins the day of transaction.

Now Account*

This interest-bearing account can be opened with a minimum of $1,000.00. To avoid a monthly service charge of $7.00, a balance of $1,000.00 is required. Non-cash deposits earn interest on the day of deposit. Interest is calculated using the daily balance method based on principal in the account.

* Your interest rate and annual percentage yield may change. Please contact your nearest branch office for complete account disclosures.

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

(800) 344-2274 | (610) 826-2239 Local | info@1stnorthernbank.com

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