First National Bank of St. Louis offers four different checking accounts to fit your needs. Our Lifetime Financial Checking program allows maximum flexibility. As your needs change you can change the services you use.

Click on this link to find out about our Plus Package of benefits that you can add to any of our accounts Or call us and talk to a personal banker. For just $6.95/month you can take advantage of a number of benefits and could save up to $520.00 annually. Our new checking product line is designed with you in mind - truly Banking for the Way you Live.

Use the Quick Reference chart for a comparison of our accounts. Click on the account name for more in-depth information, and to see how one of our checking accounts can benefit you.

For Rates - click on this link to get current rates on our interest bearing checking accounts.

* Free+Interest Checking requires 15 POS CheckPlus Debit card transactions/month, estatements, and Direct Deposit.

** Subject to The Overdraft Access Policy, which is not a contract or obligation of the bank to pay overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when insufficient funds exist in an account, but a method of making decisions on paying and returning these transactions to provide better customer service.  Our regular overdraft fee of $30.00 will apply to each item paid under this Policy.  Repayment of the overdraft amount is expected immediately.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  Please see the Overdraft Access Policy Description available from any branch office.  The bank reserves the right to withdraw this service at anytime.

Relationship Banking gives you more: maintain an average collected balance of $2,500 in checking and/or savings, $10,000 in a money market, or $25,000 in all combined deposit accounts and you Image Checking and Preferred Interest Checking account is free. Your Cash Management Interest Checking account is free if you keep $25,000 or more in an InvestorServices brokerage account.

For basic checking convenience without a monthly fee, Free Checking is the right account for you. There’s no minimum monthly balance requirement.

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This account is right for you if you want to connect to your account thru Quicken, Quickbooks or Money software. Our CheckPlus Debit MasterCard card is yours free regardless of the number of transactions you make each month.

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If you want to earn interest on your account and plan to keep a higher minimum balance, this is the account for you.

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Looking for immediate liquidity, the power of market rates paid on your balance, and all the convenience of a checking account? Look no further. This account gives you a no-monthly-fee Gold CheckPlus Debit MasterCard card, too. You can finally start making your money work harder while you manage your wealth more effectively.

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