First At Work Benefit Checking

Balancing Benefits and Convenience Through Your Employer.

As an employee of a First At Work company, you're entitled to special banking privileges from First National Bank. From checking and savings accounts to loans and investment opportunities, our wide variety of products and services come with courteous, professional service that customers have enjoyed for generations.

With our First At Work Checking account, you get the services you need to make checking as convenient as possible.

Account Features:

  • No monthly service fee
  • No minimum deposit to open or minimum balance requirement
  • One Overdraft Forgiveness every 12 months1
  • Free circle one atm and non - circle one atm Withdrawals (Other bank and ATM Operators' surcharges may apply)
  • Free bank logo checks
  • Free Visa® Debit Card
  • Free Online Banking, BillPay, and Account Alerts
  • Free Mobile Banking – pay bills, deposit checks and transfer money
  • Discounted rates on Auto, Home Equity and Personal Loans
  • $400 Mortgage closing cost credit – See a Mortgage Loan Officer for complete details
  • Free statements – online and paper
  • $25 Safe Deposit Box discount
  • Free Debit Card Fraud Monitoring
  • Free cashier’s checks
  • Free incoming wires
  • Free stop payments
  • Special Fee Savings on Unsecured Line of Credit and Home Equity Line of Credit2

A Guide to Your Checking Account (PDF)


View Deposit Agreement (PDF)



Apply Now

Enroll in the First At Work Program

Getting started in the First At Work Program is easy! If your employer is a participating partner with the First At Work program, simply enroll in a First At Work Benefit Checking account and enjoy all the benefits of being an exclusive account holder.

First At Work Benefit Checking
Our First At Work Benefit Checking account comes with all the great services we provide with our traditional checking accounts, plus so much more. We added benefits specifically designed for you as an employee of a First At Work company.

Open a New Account
Apply online for a First At Work Checking account today. To convert an existing First National account or move your accounts to First National, simply call 800-883-8773 or visit a Banker at one of our convenient locations.

If you are already a First National customer, you can convert to a First At Work Checking account without having to change your account number. You will receive all the enhanced benefits offered to you as a member.

First At Work Banking Benefits

As a member of the First At Work Program you'll receive preferred pricing on a variety of banking products and convenient services including:

Employee FAQs

What is First At Work?
First At Work is a benefit program for employees at participating companies. As an employee of a First At Work company, you're entitled to special banking privileges and exclusive offerings.

Are you with a First At Work company?
Contact us to find out.

What if my company is not a First At Work company?
Share this information with your Human Resources team and drop us a line at firstatwork@fnni.com and we will follow up with your organization about the benefits this program can provide for you and your colleagues.

Will I need a checking account to receive First at Work benefits?
Yes. The checking account is required to enjoy special offers on other banking products. You are still eligible to attend Financial Education Seminars that your employer may host without a First At Work Benefit Checking Account.

Can I have more than one First At Work checking account?
Yes, you may have more than one First At Work checking account.

Can I upgrade my current account to a First At Work account?
Contact a Banker to determine if this service is the best checking account option for your banking needs.
Phone: 800-883-8773
Email: firstatwork@fnni.com
For any additional questions, please contact a Banker.

Overdraft Options

While we do not encourage overdrafts, we understand that unanticipated expenses or unforeseen problems can leave you with not enough money in your checking account. Our goal is to assist you in avoiding unexpected Overdraft or Return Item fees as well as the inconvenience of having transactions declined or returned unpaid. Visit our Overdraft Options page to learn about the types of Overdraft coverage we offer and how you can avoid fees and best manage your account.

Banking Cards

First National Bank customers have quick and easy access to cash any time, across the globe. You can access cash from any Interlink, NETS or PLUS System ATM worldwide using your ATM Card or debit card.

A First National Bank Visa® Debit Card3 also provides purchasing power and, starting in 2016, will be issued with chip-enhanced technology.

Visa® Debit Card

  • Purchase amount is automatically deducted from your First National Bank checking account
  • No Monthly Service Fee
  • No transaction fees
  • Make up to $3,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)*
  • Visa's Zero Liability** when you use your Visa Debit Card to make purchases

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Visa® Platinum Debit Card

  • A high-performance debit card with greater purchasing power and cash accessibility
  • The amount of your purchase is automatically deducted from your First National Bank checking account
  • No monthly service fee
  • No transaction fees
  • Make up to $10,000 in purchases per day (provided adequate funds are available)
  • Make up to $1,000 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs (provided adequate funds are available)*
  • Visa's Zero Liability** when you use your Visa Debit Card to make purchases

* A surcharge may be assessed by the financial institution that owns the ATM.

** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

ATM Card

  • 24/7 access to the cash in your account at any Interlink, NETS or PLUS System ATMs worldwide*
  • Up to $600 in cash withdrawals per day from any Interlink, NETS or PLUS System ATMs worldwide (provided adequate funds are available)**
  • ATM withdrawal amounts are automatically deducted from your checking or savings account

* Available on a First National Bank checking or savings account. Subject to qualifications.

** A surcharge may be assessed by the financial institution that owns the ATM.

1The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or you have excessive overdrafts, or based on your account history and how you maintain your account. We may change your overdraft privileges due to poor account management. Our Overdraft Item Fee is $33 per item (max 4 per day). We will not charge you this fee if your balance is overdrawn by $20 or less, or the transaction overdrawing the account is $20 or less. Our Return Item Fee is $33 per item (max 4 per day). We will not charge you this fee if the amount of the transaction being returned is $20 or less. We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non-recurring debit transactions (individual debit card purchases such as grocery store or one-time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges).

2See a Personal Banker for complete details.

3Available on First National Bank checking accounts only. Subject to qualifications.