Personal Services

Simple, convenient solutions to help you manage your money every day. Local support, trusted service, and easy access—designed with you in mind. Explore tools and services to help you manage your money, protect your information, and get support whenever you need it—online or at your local branch.

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Our Services

At First National Bank, our personal services are built around you. We’re here to make managing your finances easier, helping you reach your goals with convenience, trust, and local care every step of the way.

Automatic Loan Payments

With Automatic Loan Payments from First National Bank, you can simplify your life and stay on track. Payments are automatically transferred from your FNB checking or savings account, saving you time, postage, and stress — while helping you avoid late fees and protect your credit. You may even qualify for a reduced loan rate when you enroll.

Notary Services

First National Bank offers notary service for both customers and non-customers. A small fee applies for non-customers, and valid identification is required. Contact your nearest branch to confirm availability.

Safe Deposit Services

First National Bank offers safe deposit boxes in a variety of sizes — a secure, convenient place to store your most important documents and valuables. Contact your local branch to learn more or rent yours today.

Cash Advances

First National Bank is a proud member of the Visa, MasterCard, and Discover networks, offering cash advances with proper identification — all with no service fee.

Foreign Currency

First National Bank offers currency exchange services through a trusted third-party vendor as a courtesy to our customers. While FNB charges no fees, vendor fees may apply — contact your local branch for details.

Savings Bond Redemption

Easily cash your savings bonds at First National Bank. We’re happy to assist our customers with cashing U.S. Savings Bonds, with a few exceptions. Proper identification is required — contact your local branch for details or assistance.

Allpoint ATMs

First National Bank partners with Allpoint, America’s largest surcharge-free ATM network, giving you the freedom to access your cash anytime, anywhere — without the fees.
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With over 55,000 ATMs worldwide, you’ll find Allpoint locations at popular retailers like CVS, Target, Costco, Rite Aid, Speedway, and more. All you need is your First National Bank checking account and debit card.
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Look for the Allpoint logo, visit allpointnetwork.com to find an ATM near you, or download the Allpoint app today.

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Check Your Credit

Protect yourself from identity theft. Identity fraud is one of the fastest-growing crimes in the nation, with thieves using stolen personal information to open fraudulent accounts and loans. First National Bank encourages you to stay vigilant by checking your credit report regularly — it’s one of the best ways to spot suspicious activity early.

You can request a free annual credit report from:
Equifax.com • 1-888-836-6351
Experian.com • 1-888-397-3742
TransUnion.com • 1-800-680-7289

ATMs

New Bremen
First National Bank
435 S. Washington Street
New Bremen, Ohio 45869
Click here for directions

‍Botkins
First National Bank
406 N. Main Street
Botkins, Ohio 45306
Click here for directions

‍Sidney
First National Bank
347 W. Russell Road
Sidney, Ohio 45365
Click here for directions

‍Wapakoneta
First National Bank
406 N. Hamilton Road
Wapakoneta, Ohio 45895
Click here for directions

‍New Knoxville
First National Bank
104 S. Main Street
New Knoxville, Ohio 45871
Click here for directions

‍Surcharge-Free Access. Enjoy surcharge-free withdrawals at thousands of Allpoint ATMs nationwide.
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Click here to find an Allpoint ATM near you.

Other Services and Fees

Replace Debit Card
$5.00
Cross-Border Transaction (ISA) Fee
.09% of the transaction
Currency Conversion (CCA) Fee
.02% of the transaction
Cashier's Check
$6.00
Money Order
$3.00
Official Check
$3.00
Starter or Temporary Checks
$5.00 for 6
Estate Account Opening Fee
$25.00
Non-Sufficient Funds Charge
$15.00
Overdraft Charge
$15.00
Recurring Overdraft (every 7 days overdrawn)
$27.00
Deposited Checks (returned unpaid)
$7.50
Account Activity Print-Out or Copy of Statement
$1.00 per page
Account Research or Balancing
$25.00 per hour
Copy of Image
$1.00 each
Overdraft Protection
$10.00 set-up fee - $2.00 per transfer
Early Account Closing (within 30 days)
$25.00
Account Force Re-Open
$5.00
CheckFree Bill Pay - Monthly Fee
(First 3 Months Free, Applies to Free & Regular Checking)
$4.25
CheckFree Bill Pay - Inactivity Fee
(Fee after 3 inactive months, Applies to Gold Preferred & Relationship Checking)
$4.25
Stop Payment (All Items)
$27.00
Wire Transfer (Incoming)
$10.00
Wire Transfer (Outgoing)
$20.00
Wire Transfer (International)
$25.00 plus cost
Coin Wrapping
10% of coin total
Outside Check Cashed (non-customer)
1% of check ($3.00 minimum)
On-Us Check Cashed (non-customer)
1% of check (if total is over $1,000)
Copies
$.25 per side
Notary Service
free for customers: $5.00 for non-customers
Night Deposit Bag
$10.00 annually
Safe Deposit Box Rental
$15.00-$75.00 annual fee plus sales tax
Fax Service
$5.00 first page, $1.00 per page after
HSA/IRA Transfer Charge
$25.00
Levies/Garnishment Charge
$50.00
Telephone Transfer Fee
$2.00 Each
HSA Account Opening Fee
$15.00
Relationship Focused. Service Driven.

Think Local. Think Excellence.

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