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First National Bank eStyle account review

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

First National Bank eStyle account is an online banking account that doesn’t allow overdrafts, so you’ll never pay nonsufficient funds (NSF) fees. But you can’t write checks with this account.

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$5 per month



Minimum deposit to open


Fee$5 per month
To waive the feeYou can avoid it by making one deposit or five purchases each statement cycle
Minimum deposit to open$0
ATMs800+ ATMs across Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and the District of Columbia
ATM fee rebatesNo
Out-of-network ATM fee$2.95
Overdraft fee$0
Nonsufficient funds fee$0

Review by

Michael Benninger is lead editor of banking at Forbes Advisor and a former writer at Finder, specializing in banking. His work and analysis has been featured in Business Insider, Yahoo Finance, GoBankingRates and the Los Angeles Times, among other top media. He holds a B.A. in business administration and marketing from Rowan University in New Jersey.

Expert review

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 Finance, which is a free digital rewards checking account that earns up to 1% 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.

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
Chime Checking account
Finder Rating: 4.7 / 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.
US Bank Smartly Checking
Finder Rating: 3.2 / 5: ★★★★★
US Bank Smartly Checking
$6.95 per month
New offer: Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 11, 2023. Member FDIC
Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. Easily send and receive funds via Zelle. Waive overdraft fees by depositing money before the forgiveness deadline. Member FDIC.
BMO Harris Smart Advantage™ Account
Finder Rating: 4.7 / 5: ★★★★★
BMO Harris Smart Advantage™ Account
$0 per month
Get a $200 bonus when you open a new Smart Advantage account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
Earn a $200 cash bonus after $4,000 deposits in the first 90 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs. Member FDIC.
Finder Rating: 3.7 / 5: ★★★★★
$5 per month
4.50% on balances of to $5,000
GO2bank stands out for cashback rewards and for not requiring a credit check. FDIC insured.
Albert Cash
Finder Rating: 4.5 / 5: ★★★★★
Albert Cash
From $0 per month
30-day free trial for Albert Genius
Albert Saving helps you set money aside for the future, whether your purchasing goals are big or small. Paid Genius subscription members enjoy perks like automated savings and annual cash bonuses. FDIC-insured through their partner banks.

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.

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