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First National Bank Freestyle Checking account review

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First National Bank Freestyle
Finder score
$0 per month
Minimum deposit to open

Our verdict

This no-frills checking account has no monthly fee, but it’s only available in some states.

First National Bank Freestyle Checking is a no-frills checking account with no monthly fee. If you live in one of the 14 states where First National has a presence, it might make sense to open this account.

But it doesn’t come with a lot of features. And while check-writing is a benefit not all First National Bank checking accounts have, it’s a common feature of most checking accounts at other banks.

Also, the Freestyle Checking account doesn’t earn any interest like other First National Bank accounts do. But it’s not much of a con as the interest you’d earn with the other accounts is only 0.01% APY. If you want to get more out of your account, look for a checking account that comes with more features. For instance, Axos Bank Rewards Checking is free, earns up to 3.3% APY and includes unlimited ATM fee reimbursements.


  • $0 monthly fee with online statements
  • No minimum deposit required to open in branch
  • Unlimited check writing
  • Debit card comes with free Apple Pay, Samsung Pay or Google Pay
  • Member FDIC


  • Doesn’t earn interest
  • $50 opening deposit if opened online
  • Limited footprint
  • Lack of ATMs

In this guide

  • Our verdict
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First National Bank Freestyle Checking is a basic checking account that doesn’t require a monthly fee. You can open an account with $0 at a branch, but you’ll need to deposit at least $50 to open an account online. And the bank only has branches and ATMs in eight states, with eligibility only open to residents in one of the 14 states it serves.

How do I open a First National Bank Freestyle account?

Follow these steps to open a First National Bank Freestyle Checking account.

  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 Freestyle Checking.
  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 application’s Funding and Verification sections.


Meet these eligibility requirements to qualify for a First National Bank 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, D.C.

Required information

Provide the following information when opening an account with First National Bank.

  • 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 Freestyle checking account

Similar to First National Bank‘s other checking accounts, the Freestyle account comes with online bill pay and CardGuard, which lets you restrict how and where the card is used. It also includes these features:

  • No monthly fee. Some First National Bank checking accounts require you to pay a monthly fee, but this account doesn’t.
  • Unlimited check writing. Not all First National Bank checking accounts support check-writing, but this account does.

4 things to look out for

First National Bank Freestyle accounts have a few drawbacks you should bear in mind before applying.
  • Doesn’t earn interest. Some First National Bank checking accounts like the Lifestyle, eStyle Plus, and Premierstyle checking accounts earn APY, but balances in this account don’t accrue any interest.
  • $50 opening deposit. If you open the account online, you’ll need to deposit at least $50. You can avoid the minimum deposit by opening the account at a branch.
  • Limited footprint. While First National Bank only branches and ATMs in Pennsylvania, Ohio, Maryland, North Carolina, South Carolina, West Virginia, Virginia and Washington, D.C., you can open an account if you’re a resident in any one of the following 14 states: Arizona, Connecticut, Florida, Massachusetts, Maryland, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Virginia, West Virginia, Tennessee or Washington, D.C.
  • Lack of ATMs. Compared to most other banks that have over 50,000 in-network ATMs, First National Bank only has 800+ ATMs.

First National Bank‘s ATM network and fees

First National Bank has over 800 ATMs throughout Pennsylvania, Ohio, Maryland, North Carolina, South Carolina, West Virginia, Virginia and the District of Columbia. If you use an out-of-network ATM — either domestic or international — you’ll incur a $2.95 fee.

Compare First National Bank Freestyle 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 Freestyle account in the following ways.

Deposit options

  • Branch deposit. Deposit cash or checks at any of the eight branches.
  • ATM deposit. Add cash to your account at any 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.
  • Incoming wire transfer. Receive domestic and international wire transfers.

Withdrawal options

  • Branch withdrawal. Withdraw funds from your account at any of the eight 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.
  • Outgoing wire transfer. Send domestic and international wire transfers.

How to contact First National Bank customer service

If you have questions or need help with your account, you can reach a First National Bank support specialist in three ways.

  • Visit any one of First National Bank‘s 340 branches throughout its eight-state footprint.
  • 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, and you’ll receive a response within 48 hours.

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