New Checking Account – Limited-Time Promotion

Checking with Added Benefits, Including a $200 Reward*

Savings has never been more effortless

Begin your day with a discount1,6 on your morning coffee. Enjoy worry-free driving knowing roadside assistance1,2,7 is a click away. Stop stressing about a broken phone with our cell phone protection.1,3,4,7 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.

Offer expires June 30.

Find a Location to Open Account Today!

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Get More Than Basic Checking

Our Elevation and Pinnacle Checking accounts include deals, discounts, Roadside Assistance, Cell Phone Protection and so much more — all powered by BaZing

Lower your bills and save money on the things you’re already paying for with these useful benefits, and all included with your checking account.

Roadside Assistance - Bazing Benefit Icon

Health Savings Card - BaZing Benefits Icon

Cell Phone Projection - Bazing Benefits Icon

Identity Theft Aid - Bazing Benefit Icon

24/7 Roadside Assistance2,3,8

Health Savings Card2,8

Cell Phone Protection2,4,5,8

ID Theft Aid – Including a $2,500 Personal Identity Theft Benefit2,5,6,8

Travel Accidental Death Insurance - BaZing Benefits Icon

Local and National Retail Discounts - BaZing Benefits Icon

Buyer Protection - BaZing Benefits Icon

$10,000 Travel Accidental Death Insurance2,5,8

Local and National Retailer Discounts2,7

Buyers Protection and Extended Warranty2,5,8

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    BaZing Benefits

    Rewards Designed to Help You Save Money and Protect What Matters Most

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Which Personal Checking Account is Right For You?

Elevation Checking

Our most popular, value-added checking account

Pinnacle Checking

Our premium level, interest-bearing checking account

Foundation Checking

Traditional checking for everyday banking needs


Current Promotions

View our current promotions and deposit specials to enhance your personal banking experience. 
Explore Promotions
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Build Savings with Steady Growth

Maximize your earnings with the Endurance Money Market! 
4.60% APY* $100,000 & Above  |  4.25% APYBelow $100,000


Learn More

* Offer valid 4/1/2024-6/30/2024 at any First National 1870 branch location, and may be canceled without notice. Customer will receive a $200 reward when they open their first personal checking account opened in-branch (offer applies to Foundation, Elevation and Pinnacle checking accounts only) and meet the following promotion requirements: 1) Open qualifying checking account with a minimum deposit of $100. 2) Complete 25 or more debit card purchases (pinned, signed, or credit). Each purchase must be greater than or equal to $10 and must post to the new checking account on or before 7/31/2024. Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase. 3) Receive one or more qualifying Automated Clearing House (ACH) Direct Deposit credit(s) totaling $500 or more in the new checking account. Qualifying ACH Direct Deposits include: electronic deposits of your payroll, government benefits (e.g. social security), pensions, annuities, retirement plans, and child support that post to the new checking account on or before 7/31/2024. The following types of transactions do not qualify as ACH Direct Deposit for this promotion: Deposits processed as a debit card credit, account-to-account transfers or peer-to-peer (e.g. Zelle® , Venmo, PayPal and similar) credits, micro-deposits (small deposits less than $1), merchant transactions from PayPal, Square and similar, and external bank ACH transfers not from employers, bank transfers from one account to another account, dividends, wires, mobile check deposits/transfers, or other electronic money transfers, such as those made through internet payment services, and deposits made at a branch or ATM. The Bank reserves the right to request documentation that the direct deposits qualify. The account must have a positive balance at least one day between 7/1/2024–7/31/2024 to be eligible for the reward payment. The qualifying reward payment will be paid into new checking account by end of business day on 8/9/2024. The account must be in an open status to receive the reward payment. Customers (any account owner) who currently have or previously had a personal checking account between 4/1/2023 and 4/1/2024 are not eligible for this offer. Maximum payment per checking account is $200. Not valid with any other offer and may be canceled or changed without notice.

1 Must be a valid accountholder of a participating financial institution to qualify for benefits. 2 Roadside Assistance is available 24/7, year-round throughout the United States, Canada and Puerto Rico. 3 Cell Phone Protection benefits are only available to valid accountholders that reside in the United States or Canada. Benefits are subject to additional terms and conditions. You must pay your monthly cell phone bill from your eligible checking account to use this benefit. 4 Insurance products are: NOT A DEPOSIT, NOT FDIC-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE BANK. Personal Identity Theft benefits are only available to valid accountholders that reside in the United States or Canada. Benefits are subject to additional terms and conditions detailed in the Benefit Reference Guide. Ask a Banker for a copy to review. 6 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals. 7 View the Benefit Reference Guide to review additional details, terms and conditions or ask a Banker for details. The information in the guide is designed to assist eligible account owners. If there is any conflict between the information listed in the Benefit Reference Guide and the full terms and conditions outlined on the website, the full terms and conditions will control in all respects.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.
Venmo is a service of PayPal, Inc., a licensed provider of money transfer services (NMLS ID: 910457).
All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.’s licenses.
Square, the Square logo, Square Financial Services, Square Capital, and others are trademarks of Block, Inc. and/or its subsidiaries. Square Financial Services, Inc. is a wholly owned subsidiary of Block, Inc.