First National Bank eStyle account review
- Fee
- $5 per month
- Minimum deposit to open
- $0
Our verdict
You’ll never pay an overdraft fee, but you can’t write checks.
But besides these two benefits, there’s nothing else that makes this account stand out. Its network of 800 ATMs is lower than what you’ll find at most banks and you’ll pay a $2.95 fee when you use an out-of-network ATM.
If you want an account with more features look at rewards checking accounts like One Cash, which is a free digital rewards checking account that earns up to 5.00% APY when you set up direct deposit. Plus, it gives you access to your paycheck up to two days early, and lets you send checks right from the app.
Pros
-
No monthly fee.
-
No overdraft fees.
-
FDIC insured.
Cons
-
No check writing.
-
Limited footprint.
-
Only 800+ ATMs.
How do I open a First National Bank eStyle account?
Open a First National Bank eStyle account in six steps.
- Go to the provider’s site and follow the steps to apply.
- Select Personal, then Checking & Savings.
- Select Browse all checking accounts, then select eStyle Account.
- Select Add to cart, Proceed to checkout, Apply now, then Checkout.
- Add your basic information, including your full name, email address, ZIP code and phone number.
- Select Apply online, then complete the Funding and Verification portions of the application.
Eligibility
Meet these eligibility requirements to qualify for a First National Bank eStyle account.
- At least 18 years of age or younger with an adult co applicant
- US citizen, permanent resident or nonimmigrant visa holder
- Resident of Arizona, Connecticut, Florida, Massachusetts, Maryland, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, West Virginia or Washington, DC.
Required information
Provide the following information when applying for an eStyle account.
- Full name
- Physical address
- Contact information
- Driver’s license, passport, military ID, state-issued ID or permanent resident card and visa
- Social Security number
- Mother’s maiden name
- Employment status
2 benefits of First National Bank eStyle checking account
This account comes with online bill pay and CardGuard, which are features common to all First National Bank checking accounts. It also offers these benefits.
- Easily avoidable fee. There’s a $5 monthly fee for this account, but you can avoid it by making one deposit or five purchases each statement cycle.
- No overdraft fees. First National Bank declines or returns transactions that exceed your balance, so you’ll never face an overdraft fee.
3 potential drawbacks to look out for
First National Bank eStyle accounts have a few shortcomings, which you should bear in mind before applying.- No check writing. Deposit checks into this account, but you can’t write checks.
- Limited footprint. First National Bank only has branches and ATMs in these eight locations: Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, Washington, DC and West Virginia. But eligibility is open to residents in any of the 14 states it serves.
- Only 800+ ATMs. Compared to most other banks that have 50,000 or more in-network ATM locations, you only get over 800 ATMS with First National Bank.
First National Bank’s ATM network and fees
First National Bank has over 800 ATMs scattered across Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and the District of Columbia. But you’ll pay a $2.95 fee when you use an out-of-network ATM.Compare First National Bank eStyle with other checking accounts
Use this table to compare other checking accounts based on their fees and ATM networks.
How do I deposit or withdraw my money?
Move money into and out of your eStyle account in the following ways.
Deposit options
- Branch deposit. Deposit cash or checks at any of First National Bank branches.
- ATM deposit. Add cash or checks to your account at any of its in-network ATMs.
- Incoming ACH transfer. Link an external bank account and receive free transfers.
- Incoming Zelle. Instantly receive money from other Zelle users.
- Incoming digital wallet transfer. Accept transfers via Apple Pay, Google Pay and other digital wallets.
Withdrawal options
- Branch withdrawal. Withdraw funds from your account at one of its 340 branches.
- ATM withdrawal. Use your debit card to withdraw cash from ATMs.
- Outgoing ACH transfer. Send funds to a linked account at another institution.
- Zelle. Receive money in minutes from other Zelle users.
- Outgoing digital wallet transfer. Send peer-to-peer payments via Apple Pay, Google Pay and other digital wallets.
How to contact First National Bank customer service
Contact First National Bank support in three ways.
- Visit one of 340 branches throughout eight locations.
- Call 800-555-5455 on weekdays from 8 a.m. to 9 p.m. or on weekends from 8 a.m. to 5 p.m.
- Send a secure message to a support specialist via the bank’s website.
Checking account ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
First National Bank eStyle is not currently available on Finder
Have you considered SoFi Checking and Savings?
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
- 0.50% APY on checking balance
- Up to 4.60% APY on savings
- $0 account or overdraft fees
- Get up to a $300 bonus with direct deposits of $5,000 or more
Your reviews
Michael Finder
Staff writer
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