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Personal Checking

Looking for a Personal Checking account that works for you? At First National Bank we believe in Maine and our communities, and we want to help you get rewarded. When you open up a Spark, #E-Chieve or Inspire personal checking account at First National Bank, you are automatically enrolled in our Dream First Rewards program. Our Dream First Rewards program allows you to earn Cashback while shopping at local Dream First Rewards merchants simply by using your First National Bank VISA® Debit Card.


Personal Checking Account Benefits:

Ready to get started? Click here to open a First National Bank personal checking account online or visit one of our 16 locations.

View Our Personal Checking Account Products

Spark Checking

Personal checking does not get any easier than a Spark personal checking account at First National Bank. This personal checking account is perfect for anybody who likes to keep things simple and uses their debit card for most transactions.


  • FREE First VISA® Debit Card available - issued instantly!
  • FREE Dream First Rewards automatic enrollment
  • No minimum balance
  • $5 monthly fee
  • *Fee is waived with 8 debit card transactions per statement period





#E-chieve Checking

Banking on the go? Go paperless with our #E-chieve personal checking account. This account is perfect for someone who is always on the move. Receive iStatements online for easy management. Interest-bearing+ when you choose direct deposit or any automatic payment plan. $8 monthly fee waived* when all requirements are met.


        • FREE First VISA® Debit Card available - issued instantly!
        • FREE Dream First Rewards automatic enrollment
        • Competitive Interest Rate
        • Direct Deposit or automatic payments required
        • iStatements required
        • $8 monthly fee
        • Minimum opening deposit of $50.00
        • *Fee is waived when all requirements are met

Inspire Checking

Our Inspire personal checking account is for the customer who keeps a higher balance in their deposit accounts and also has a First National Bank mortgage loan. Earn interest+ on your money monthly, take advantage of our free small safety deposit box and get preferred pricing on certificates of deposits. $10 monthly fee is waived when all requirements are met.


    • FREE First VISA® Debit Card available - issued instantly!
    • FREE Dream First Rewards automatic enrollment
    • Competitive Interest Rate
    • FREE small safe deposit box
    • Preferred pricing on Certificates of Deposit
    • Minimum opening deposit of $50.00
    • $10 monthly fee waived when one of these requirements are met:
      • $1,500 average checking account balance
      • Keep an average of $15,000 or more in combination of qualifying accounts
      • Have consumer or mortgage loan balance of $70,000 or more






Click here to learn about our personal savings options.

Checkbook Balance Calculator

Use this tool to help balance your checkbook.



Deposit Account Rates



Notes: There is a Minimum Opening Deposit of $50.00 for #E-Chieve Checking and Inspire Checking; a $5,000.00 Minimum Opening Deposit for First
Choice Money Market, and no minimum for Business NOW Checking, Holiday Club and all Savings Accounts. Fees could reduce the earnings on your
account. Interest is calculated using the Daily Balance Method. For tiered accounts, the interest rate and APY shown apply to the entire balance in the
account. For complete account information please see our Deposit Account Agreement & Disclosure document.

APY = Annual Percentage Yield. Interest Rates and Annual Percentage Yields are accurate as of the date shown above. Interest Rates and APYs are variable at the discretion of the Bank and may change at any time. Please contact a Banking Associate for current rates and complete account disclosures.

Rates effective as of April 16, 2018 and are subject to change.