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Personal Checking

At First National Bank we believe in Maine and our communities. When you open up a Spark, #E-Chieve or Inspire checking account at First National Bank, you become eligible for our Dream First Rewards program. As a member of Dream First Rewards, you’ll earn real discounts at local merchants, helping local businesses succeed and saving you money. It’s like small business Saturday, every day!


Every personal checking account comes with these options:

Spark Checking

  • No minimum balance
  • $5 monthly fee
  • *Fee is waived with 8 debit card transactions per statement period

#E-chieve Checking

        • Competitive Interest Rate
        • Direct Deposit or automatic payments required
        • iStatements required
        • $8 monthly fee
        • *Fee is waived when all requirements are met

Inspire Checking

    • Competitive Interest Rate
    • FREE small safe deposit box
    • Preferred pricing on Certificates of Deposit
    • $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 May 23, 2017 and are subject to change.