Personal Checking Details

Find the Right Account for You

First National offers a number of checking accounts to meet the needs of every Alaskan. Need help picking the right one? We're here to help! Connect with a business relationship manager today.

Direct Deposit Checking

Avoid a monthly service fee if you set up a recurring direct deposit into your Direct Deposit Checking account. There is no charge for your first order of checks and you'll enjoy unlimited check writing. Account details:

  • No minimum deposit to open
  • No monthly service fee each statement cycle with a direct deposit
  • Monthly service fee of $7
  • Unlimited check writing, ATM and ACH withdrawals, point of sale and debit card transactions, automatic, telephone and pre-authorized transfers
  • First order of checks at no cost, select designs (up to two boxes)

First 20 Account

It's all in the name. Your first 20 paid checks each month are included in the $5 monthly service fee with electronic statements. Account details:

  • No minimum deposit to open
  • Meet the minimum daily balance of $1,000 to avoid monthly service fee
  • Lowest monthly service fee of $5
  • No additional charge for first 20 checks paid per monthly cycle
  • $0.20 for each check paid after first 20 per monthly cycle

First Rate Account

With this account, you will have unlimited access while earning interest. The higher your account balance tier, the higher the rate of interest you will earn. Account details:

  • No minimum deposit to open
  • Collected funds in the account earn interest at a competitive rate (daily balance computation method); for current annual percentage yield (APY) and balance tiers, click here
  • Meet the minimum daily balance of $2,500 to avoid monthly service fee
  • Monthly service fee of $9
  • Unlimited check writing, ATM and ACH withdrawals, point of sale and debit card transactions, automatic, telephone and pre-authorized transfers

Alaska Military Checking

Have your military pay or retirement check directly deposited in the Alaska Military Checking account and enjoy a slew of benefits, including up to $500 off the origination fee of an approved mortgage loan at First National. Account details:

  • No minimum deposit required to open
  • Collected funds in the account earn interest at a competitive rate (daily balance computation method); for current annual percentage yield (APY), click here
  • One direct deposit per statement cycle OR minimum daily balance of $3,500 to avoid monthly service fee
  • Monthly service fee of $9
  • Small safe deposit box at no cost (where available)
  • Mastercard® credit card with no annual fee (must qualify)
  • No-fee money orders
  • First National Bank Alaska exclusive checks at no cost
  • Savings overdraft protection at no cost
  • Unlimited check writing, ATM and ACH withdrawals, point of sale and debit card transactions, automatic, telephone and pre-authorized transfers

College Checking

With flexibility to fit your lifestyle, this account allows you to enjoy banking anytime, anywhere. Eligible to students enrolled in post-secondary education or trade school. Account details:

  • No minimum deposit to open
  • Monthly service fee of $5, waived with use of e-Statement
  • Unlimited check writing, ATM and ACH withdrawals, point of sale and debit card transactions, automatic, telephone and pre-authorized transfers
  • Six years following account opening the bank will convert the College Checking account to the First 20 account
  • Complimentary MYCard (one time only), customize your First National Mastercard debit card by choosing an image from our gallery or use your own image
  • Online Banking at no cost
  • FREE mobile FNBApp

Teen Checking

A first step to financial success. Education transaction account used to help your teenage co-owner learn how to manage money and a bank account. Account details:

  • No minimum deposit to open
  • Eligible to minors (ages 12-17) with an adult co-owner at least 21 years of age
  • Monthly service fee of $3, waived with use of e-Statement
  • First National Bank Alaska Debit Mastercard®, Teen Card with no monthly fee
  • No additional charge for Teen Card transactions
  • Up to 10 checks per monthly cycle at no additional charge; $0.20 per check in excess of 10
  • Teen Card merchant category codes for gambling, alcohol and tobacco, etc. are blocked
  • Overdraft protection available from a regular savings account
  • Other standard fees apply (ATM Owner Fees, Stop Payments, OD/NSF, Research, etc.)

Health Savings (HSA)

Pay qualified medical expenses and enjoy unlimited access to your funds while earning interest. The greater your balance, the greater the rate of interest you'll earn. Account details:

  • No minimum deposit to open
  • Meet the minimum daily balance of $100 to avoid monthly service fee
  • Monthly service fee of $2
  • 20¢ per check
  • No transaction fee for ATM, ACH debits, and debit card transactions
  • Debit card with no monthly fee
  • Collected funds earn interest at a competitive rate (daily balance computation method); for current annual percentage yield (APY) and balance tiers, click here.

 

Statement Options

  • e-Statement - No charge
  • Mailed Statement w/o Images - $1.00
  • Mailed Standard Check Image Statement - $4.00
    • Includes images of check fronts only with 20 checks per page (10 each side) or 36 checks per page (18 each side).
  • Mailed Enhanced Check Image Statement - $6.00
    • Includes images of check fronts and backs, or fewer images per page than the Mailed Standard Check Image Statement.

 

Personal Account Fees effective March 1, 2019