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First National Bank Premierstyle Checking review

Get free perks, but you’ll need to meet a high balance to avoid the $25 monthly fee.

First National Bank Premierstyle Checking account offers a long list of waived fees and free features, including checks, a safe deposit box and $15 in ATM reimbursements each month. But if you don’t maintain an average balance of at least $7,500, you’ll face a $25 monthly fee.

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$25 per month

Fee

0.01%

APY

Details

APY0.01%
Fee$25 per month
To waive the feeKeep at least $7,500 or a combined amount of $25,000 across your First National accounts to avoid the monthly maintenance fee.
ATMs800+ ATMs across Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia and the District of Columbia
ATM transaction fee$0
ATM fee rebatesup to $25 in ATM 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 Premierstyle Checking includes a long list of features like no ATM fees, free checks and two free domestic wire transfers a month. Although this is an interest-bearing account, it hardly earns anything.

You’ll earn 0.01% APY, which is lower than the national average of 0.03% APY for checking accounts earning interest. You’ll also need to keep at least $7,500 or a combined amount of $25,000 across your First National accounts to avoid the $25 monthly maintenance fee.

If earning interest is important to you, compare high-yield checking accounts like Consumers Credit Union Rewards Checking. It’s free and earns 4.09% APY on balances up to $10,000.

How do I open a First National Bank Premierstyle Checking account?

Open a First National Bank Premierstyle Checking account in six steps:

  1. Select Apply now.
  2. Select Personal, then Checking & Savings.
  3. Select Browse all checking accounts, then select Premierstyle 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 Funding and Verification portions of the application.

Eligibility

Meet these eligibility requirements to qualify for a First National Bank Premierstyle Checking account.

  • At least 18 years of age or younger with an adult coapplicant
  • US citizen, permanent resident or nonimmigrant visa holder
  • Resident of Arizona, Connecticut, Florida, Massachusetts, Maryland, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Virginia, West Virginia, Tennessee or Washington, DC.

Required information

Provide the following information when applying for a Premierstyle 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

6 benefits of First National Bank Premierstyle Checking account

Like other First National Bank checking accounts, Premierstyle comes with online bill pay and a feature that lets you control how and where your card can be used. It also offers these benefits.

  • Safe deposit box. A 3″ x 5″ safe deposit box is included, available at a nearby First National Bank branch.
  • No ATM fee. First National Bank usually charges a $2.95 fee for using an out-of-network ATM, but that fee is waived for Premierstyle accounts. And if the owner of an ATM charges you a fee, First National Bank will reimburse you for up to $25 each statement period.
  • Free statements. Unlike other First National Bank accounts, you have the option to receive paper statements, electronic statements or both for no charge.
  • Free checks. Get free, personalized checks as long as you have a Premierstyle account.
  • Avoidable overdraft fee. Avoid overdraft fees by linking your account to a First National Bank line of credit.
  • Free wires. Receive two domestic wire transfers for free each month.

3 potential drawbacks to look out for

First National Bank Premierstyle Checking accounts have a couple of drawbacks to consider before applying.

  • $25 monthly fee. The $25 fee is only avoidable when you maintain a daily balance of at least $7,500 or a combined balance of at least $25,000 or more across any combination of First National Bank accounts.
  • Pitiful interest rate. You’ll earn interest on balances $1,000 or more, but it’s only 0.01% APY.
  • Eligibility requirement. To open the account you’ll need to be a resident of one of the following: Arizona, Connecticut, Florida, Massachusetts, Maryland, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Virginia, West Virginia, Tennessee or Washington, DC.

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. If you use an out-of-network ATM, First National Bank will waive the $2.95 fee with the $25 checking account. And if the ATM owner charges you a fee, you can get up to $25 in reimbursements each statement period.

Compare First National Bank Premierstyle Checking 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.
Current
Finder Rating: 4.6 / 5: ★★★★★
Current
4.00% on balances of $0.01 to $2,000
$0
over 40,000 in-network Allpoint ATMs in the U.S without ATM fees
$2.50
Current is a mobile-only account with spending and savings tools. Additional features include no overdraft fees and free AllPoint ATM access.
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.
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How do I deposit or withdraw my money?

Move money into and out of your $25 account in the following ways.

Deposit options

  • Branch deposit. Deposit cash or checks at any of First National Bank’s branches
  • ATM deposit. Add cash or checks to your account at any of its 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 a branch.
  • 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

Reach customer support in three ways.

  • Visit 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.

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