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First National Bank eStyle account review

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First National Bank eStyle
Finder score
$5 per month
Minimum deposit to open

Our verdict

You’ll never pay an overdraft fee, but you can’t write checks.

First National Bank eStyle account has very few features, but it also has an easily avoidable monthly maintenance fee. And you also won’t get penalized for overdrawing your account.

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, 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.


  • No monthly fee.
  • No overdraft fees.
  • FDIC insured.


  • No check writing.
  • Limited footprint.
  • Only 800+ ATMs.

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How do I open a First National Bank eStyle account?

Open a First National Bank eStyle account in six steps.

  1. Go to the provider’s site and follow the steps to apply.
  2. Select Personal, then Checking & Savings.
  3. Select Browse all checking accounts, then select eStyle Account.
  4. Select Add to cart, Proceed to checkout, Apply now, then Checkout.
  5. Add your basic information, including your full name, email address, ZIP code and phone number.
  6. Select Apply online, then complete the Funding and Verification portions of the application.


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.

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
SoFi Checking and Savings
$0 per month
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024.
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.
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
Earn up to 2% cashback rewards on everyday purchases. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. Member FDIC.
Cash Card by Cash App
Finder Score: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
The Cash App Cash Card lets you pay for goods and services both online and in stores using your Cash App balance. Enjoy features like ATM access, direct deposit, instant discounts at select stores and a customizable card.
Axos Bank Rewards Checking
Finder Score: 4.2 / 5: ★★★★★
Axos Bank Rewards Checking
$0 per month
3.30% on balances of $0 to $50,000
Use promo code AXOS300 and apply by June 30th, 2024, to earn up to $300 bonus, $50 each month you meet requirements: Make direct deposits of $5,000+ each month for the first 7 months and maintain an average balance of $7,000.
Earn up to 3.3% APY after meeting rate requirements. Get ATM free reimbursements at all domestic ATMs. Pay $0 monthly or overdraft fees. FDIC insured.
Chime® Checking Account
Finder Score: 4.8 / 5: ★★★★★
Chime® Checking Account
$0 per month
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.

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.

Read the full methodology of how we rate checking accounts.

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