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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

Fee

$0

Minimum deposit to open

Details

APYN/A
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
Out-of-network ATM fee$2.95
Overdraft fee$0
Nonsufficient funds fee$0

Review by


Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

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 3% 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. Select Apply now.
  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.

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.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
$10
55,000+ free Allpoint ATMs worldwide
$0
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
N/A
$50
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

$0
NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
Citi Priority Checking
Citi Priority Checking
0.01%
$50,000
Over 72,000 fee-free ATMs in the U.S.
$2.50
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US. Earn up to $1,500 when you open an eligible account and complete required activities.
OnJuno
Finder Rating: 4.8 / 5: ★★★★★
OnJuno
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
$0
More than 85,000 ATMs nationwide
$0
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
First Citizens Bank Free Checking
N/A
$50
1,100+ First Citizens Bank ATMs
$2.50
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.
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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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