EXPLORE ACCOUNTS

Personal Checking.

From your first checking account to an account that fits a busy household, The First Central National Bank offers personal banking backed by hometown service and modern conveniences.

Locally owned & operated
Decisions made locally
Loans kept and serviced here
Banking on a first-name basis
PERSONAL CHECKING

Choose the checking account that fits your routine.

The First Central National Bank offers a full line of checking accounts tailored to suit your individual needs.

Regular

Our personal checking account is designed to fit all our retail customers' needs.

Unlimited check writing.
Low monthly fee.
Non Interest bearing.

College Student

The same great benefits as our regular account, but at a reduced rate.

Unlimited check writing.
Low monthly fee.
Non Interest bearing.

No Charge Senior

We offer our distinguished seniors this free checking account. (65 years old or older).

Unlimited check writing.
No monthly fee.
Non Interest bearing.

N.O.W. Checking

A higher-balance checking account for individuals that want to earn interest while enjoying the convenience of everyday checking.

$1,000 Minimum Balance.
$1,000 Minimum Deposit.
Interest bearing.

Super N.O.W. Checking

Take your checking to the next level or  unlock an even greater earning potential with our Super NOW account.

$2,500 Minimum Balance.
$2,500 Minimum Deposit.
Interest bearing.

Money Market Investment

Grow your savings while keeping your funds within reach. Now with unlimited withdrawals!

$2,500 Minimum Deposit.
No monthly fee.
Interest bearing.

Health Savings Accounts

For individuals who would like to use tax free money to help cover the cost of medical expenses.

$100 Minimum Deposit.
No monthly fee.
Interest bearing.

Contact Us

Visit one of our locations listed below!

Saint Paris
Rosewood
Christiansburg
Urbana

Checking Comparison

Account
Minimum Deposit to Open
Monthly Service Fee or Balance Requirement
Unlimited Check Writing
Interest Bearing
Regular Checking
$100.00
$5 Monthly Fee
Yes
No
No Charge Senior Checking
$100.00
No Monthly Fee
Yes
No
College Student Checking
$100.00
$3.50 Monthly Fee
Yes
No
Money Market Investment
$2,500.00
No Monthly Fee
Yes
Yes
Health Savings Accounts (HSA)
$100.00
No Monthly Fee
5 per month
Yes
NOW Checking
$1,000.00
$1,000 Minimum
Yes
Yes
Super NOW Checking
$2,500.00
$2,500.00 Minimum
Yes
Yes
READY WHEN YOU ARE

Start your next
chapter.

Open an account, apply for a loan, or simply stop by and say hello! Our hometown bankers are ready to help you find the right product for your needs!