Checking Accounts

We have accounts that check all your boxes no matter where you are in your financial journey.

Checking options range from the basic to feature-rich premium accounts. Easily compare checking accounts below and find the First National 1870 checking account that’s right for you. All checking accounts come with the added benefits of our online banking and mobile app. 

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New Checking Account – Limited-Time Promotion

Checking with Added Benefits, Including a $200 Reward.Our checking rewards — powered by BaZing, help you save more and stress less. You’ll see the true strength of a benefits-packed checking account. Open your first personal checking account in-branch. Don't wait! Offer expires June 30.

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Explore Our Checking Accounts and Find Your Perfect Match

Compare Our Accounts

Pinnacle Checking

Our premium level, interest-bearing checking account

Elevation Checking

Our most popular, value-added checking account

Foundation Checking

Traditional checking for everyday banking needs

SunNet® Checking

Simple, on-the-go and online checking solution

Achievement Checking

For individuals who do not meet our standard deposit account qualifications

Minimum Balance Required to Open

Pinnacle Checking

$100

Elevation Checking

$100

Foundation Checking

$100

SunNet® Checking

$100

Achievement Checking

$25
Monthly Account Maintenance Fee

Pinnacle Checking

$10

Elevation Checking

$6

Foundation Checking

$7

SunNet® Checking

$7

Achievement Checking

$5
Minimum Daily Balance to Avoid Monthly Account Maintenance Fee

Pinnacle Checking

$2,000

Elevation Checking

$0

Foundation Checking

$100

SunNet® Checking

$100

Achievement Checking

$0
Interest-Bearing

Pinnacle Checking

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Elevation Checking

Foundation Checking

SunNet® Checking

Achievement Checking

Free eStatement

Pinnacle Checking

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Elevation Checking

green check mark

Foundation Checking

green check mark

SunNet® Checking

green check mark

Achievement Checking

green check mark
Paper Statement

Pinnacle Checking

$2

Elevation Checking

$2

Foundation Checking

$2

SunNet® Checking

$2

Achievement Checking

$2
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Pinnacle Checking

bazing logo

Elevation Checking

bazing logo

Foundation Checking

SunNet® Checking

Achievement Checking

bank on logo

Bank On-Certified
Achievement Checking is certified as meeting Bank On National Account standards for safe and affordable bank accounts. Learn more at joinbankon.org.

Cell Phone Protection

Pinnacle Checking

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Elevation Checking

green check mark

Foundation Checking

SunNet® Checking

Achievement Checking

Roadside Assistance

Pinnacle Checking

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Elevation Checking

green check mark

Foundation Checking

SunNet® Checking

Achievement Checking

ID Theft Aid Payment Card Fraud Resolution, Personal Identity Theft Benefits, Identity Restoration

Pinnacle Checking

$2,500

Elevation Checking

$2,500

Foundation Checking

$1,000

SunNet® Checking

$1,000

Achievement Checking

$1,000
Travel Accidental Death Insurance

Pinnacle Checking

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Elevation Checking

green check mark

Foundation Checking

SunNet® Checking

Achievement Checking

Buyer’s Protection & Extended Warranty

Pinnacle Checking

green check mark

Elevation Checking

green check mark

Foundation Checking

SunNet® Checking

Achievement Checking

Health Savings Card: Pharmacy, Vision & Hearing Savings

Pinnacle Checking

green check mark

Elevation Checking

green check mark

Foundation Checking

SunNet® Checking

Achievement Checking

Additional Information

Pinnacle Checking

Account Disclosure

Elevation Checking

Account Disclosure

Foundation Checking

Account Disclosure

SunNet® Checking

Account Disclosure
(1,2)

Achievement Checking

Account Disclosure

    1Account owners must be 18 years of age or older and be a US Citizen or Permanent Resident Alien with a social security number to open an account online. Online Account Opening is not available for residents of the following states: AK, DE, ME, ND, NH, NY, VT, WV​.

    2Account not eligible for promotions.

    Your future. Our solutions.

    Explore our services! Creating Possibility starts here.

    • debit card icon

      Visa® Debit Card

      First National 1870’s Visa® debit card is a convenient way to pay for purchases. It’s accepted worldwide, and funds are automatically deducted from your checking account.

      Learn More in Visa® Debit Card
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      CardControl

      Instantly control when, where, and how your debit card is used with CardControl, our free, on-the-go companion app that helps you control debit card spending and reduce fraud and misuse of your card.

      Learn More in CardControl
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      Credit Sense

      Credit Sense powered by Savvy Money® allows you to stay on top of your credit score. Learn more about this powerful and FREE service.

      Learn More in Credit Sense
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      Go Paperless

      Access your account statements quickly, safely, and securely by enrolling in Personal Online Banking and eStatements.

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      Accountholder Guide

      Already a customer? View our Accountholder Guide to get the most out of your banking experience.

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    Benefits Of Online Banking

    Easy. Convenient. Secure.

    Sunflower Bank's 24/7 access makes it easy for you to manage your money anywhere and anytime. Online banking allows you to check your account balances, transfer funds between accounts, view transaction history, and pay your bills - on your schedule.


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    FDIC Insured

    The Federal Deposit Insurance Corporation plays a crucial role in safeguarding Sunflower Bank customer funds. You're covered up to $250,000 per depositor, per insured bank, for each ownership category.  Rest assured knowing your deposits are well-protected, allowing you to focus on growing your financial future confidently.   Learn More

    Contact Us

    Available 8AM-8PM (CT) Monday-Friday

    8AM-4PM (CT) Saturday
    Learn More by contacting us

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