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First National Bank eStyle Plus Checking review

Avoid overdrafts and get ATM reimbursements, but there’s a $25 monthly fee for balances below $1,000.

First National Bank eStyle Plus doesn’t have overdraft fees and includes up to four ATM fee reimbursements each month. But the account earns a negligible amount of interest of 0.01% APY and only on the first $2,500 in the account. And if your average balance drops below $1,000, you’ll face a $25 monthly fee.

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$25 per month





APY0.01% on balances of $0 to $2,500
Fee$25 per month
To waive the feeYou can avoid it if you maintain at least $1,000 in your account or more than $25,000 in combined funds across your other First National Bank accounts.
ATMs800+ ATMs across Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and the District of Columbia
ATM fee rebatesup to 4 ATM fees reimbursements each month
Out-of-network ATM fee$2.95
Overdraft 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 Plus is best for those looking for a checking account that won’t charge on overdraft and ATM fees. The account will reimburse out-of-network ATM fees up to four times each statement cycles. Plus, it won’t allow you to spend more than what you have in your account, so that you don’t go into overdraft.

But it comes with a $25 monthly fee that you can only avoid by keeping at least $1,000 in the account or more than $2,500 in combined funds across your other First National Bank accounts. And it barely earns any interest.

You’ll need to keep up to $2,500 in your account to earn its low 0.01% APY. This is lower than the national average for interest-bearing checking accounts, which is currently at 0.03% APY.

Plenty of free checking accounts offer more features and better interest rates. For instance, OnJuno earns up to 1.2% APY on balances up to $50,000, and offers at least one ATM fee refunded each month. Plus, OnJuno’s ATM network is 100 times larger than First National Bank’s.

How do I open a First National Bank eStyle Plus account?

Follow these six steps to open a First National Bank eStyle Plus account.

  1. Select Apply now.
  2. Select Personal, then Checking & Savings.
  3. Select Browse all checking accounts, then select First National Bank eStyle Plus 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.


Open a First National Bank eStyle Plus account when you meet these requirements.

  • 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 Plus 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 Plus checking account

Like other FNB checking accounts, eStyle Plus comes with online bill pay and a feature that lets you control how and where your card is used. It also offers these benefits.

  • No overdraft fees. First National Bank doesn’t allow you to spend beyond what’s in your account so that you won’t face overdraft fees.
  • ATM fee refunds. The bank will refund fees you pay for out-of-network ATM withdrawals up to four times statement period.

5 things to look out for

First National Bank eStyle Plus accounts have a handful of drawbacks you should bear in mind before applying.

  • $25 monthly fee. You’ll pay $25 a month to maintain this account, but you can avoid it if you maintain at least $1,000 in your account or keep a combined balance greater than $25,000 across any combination of First National Bank accounts.
  • Low interest rate. This account earns just 0.01% APY on the first $2,500 in your account. That’s one penny per every $100 in your account per year.
  • No check writing. You can deposit checks into this account, but you can’t write checks.
  • Limited footprint. First National Bank only has branches and ATMs in Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and Washington, DC. But account eligibility is open to anyone who is a resident of one of the 14 states it serves.

First National Bank‘s ATM network and fees

First National Bank has over 800 ATMs scattered across Pennsylvania, Ohio, Maryland, North Carolina, South Carolina, West Virginia, Virginia and the District of Columbia. The bank typically charges a $2.95 fee for using out-of-network ATMs, but if you have a First National Bank eStyle Plus account, the fee will be waived up to four times each month.

Compare First National Bank eStyle Plus 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
55,000+ free Allpoint ATMs worldwide
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
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

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
Over 72,000 fee-free ATMs in the U.S.
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.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
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
1,100+ First Citizens Bank ATMs
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.

Compare up to 4 providers

How do I deposit or withdraw my money?

Move money into and out of your eStyle Plus account in the following ways.

Deposit options

  • Branch deposit. Deposit cash or checks at any of the bank’s 340 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 any of its branches.
  • ATM withdrawal. Use your debit card to withdraw cash from ATMs.
  • Outgoing ACH transfer. Send funds to a linked account at another institution.
  • Outgoing Zelle transfers. 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 in one of the following ways:

  • Visit any one of First National Bank‘s 340 branches.
  • 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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