What you can do online at First National Bank

You cannot complete a full account opening entirely online at First National Bank. The bank requires you to visit a branch in person or speak with a representative by phone to finish the process, even if you start online. You can begin an application on their website or mobile app, but you will need to provide identification and sign documents in person or through a video call with a banker before the account becomes active.

The online portion lets you enter basic information—your name, address, Social Security number, employment details, and the type of account you want. This pre-fills forms and speeds up the in-person or phone step. Some First National Bank locations offer video banking appointments, which may let you complete verification without visiting a physical branch, but availability depends on your location and the specific branch.

First National Bank is a regional bank with locations primarily in the Midwest and South. If you live far from a branch, calling the bank's customer service line to ask about video appointment options is your fastest way to learn whether you can open an account without traveling.

Key Takeaways

  • You must complete account opening in person at a branch or through a video appointment with a banker; online-only opening is not available.
  • Starting your application online saves time because it pre-fills your information before you meet with a representative.
  • You will need a government-issued ID and proof of address (such as a utility bill or lease) to finish opening the account.
  • Video banking appointments may be available depending on your location; call the bank directly to ask whether your nearest branch offers them.
  • The entire process from start to finish typically takes one to two weeks once you have submitted all required documents.

Documents you need to bring or upload

First National Bank requires a government-issued photo ID—a driver's license, passport, or state ID card. You will also need proof of your current address, which can be a recent utility bill, lease agreement, mortgage statement, or bank statement dated within the last 60 days. If you are opening a business account, you will need your Employer Identification Number (EIN) and business formation documents.

If you start your application online, you may be able to upload these documents through the app or website. During your in-person or video appointment, the banker will verify the documents match your identity and the information you entered. Keep copies for your records.

Types of accounts available online

First National Bank offers checking and savings accounts through their online application process. The specific account types and features vary by location and change periodically, so the options available to you depend on which First National Bank branch serves your area.

Common account types include basic checking, interest-bearing checking, savings accounts, and money market accounts. Some branches also offer student checking or senior accounts with different fee structures. When you start your online application, the bank will show you which accounts are available in your region. If you have questions about which account fits your needs, the banker you speak with during your appointment can walk you through the differences.

Fees and minimum balance requirements

First National Bank's account fees and minimum balance requirements vary by account type and location. Some accounts have no monthly maintenance fee if you maintain a minimum balance or set up direct deposit. Others charge a monthly fee regardless. Overdraft fees, ATM fees, and other charges also differ depending on the account and your branch.

Before you open an account, ask the banker or call customer service to confirm the current fees for the specific account you want. This information should also appear in the account terms and conditions, which you will review before signing. Do not assume fees are the same across all First National Bank branches—they can vary.

How long the process takes

If you start your application online, the in-person or video appointment typically takes 15 to 30 minutes. After you sign the documents, the account is usually active the same day or within one business day. You can begin using your debit card and online banking immediately, though the card itself may arrive by mail within 7 to 10 business days.

If you skip the online start and go straight to a branch, the entire process still takes about 30 minutes. The main delay comes after your appointment—if the bank needs to verify any information or if there are issues with your documents, approval can take up to two weeks. Calling ahead to ask what documents to bring speeds this up.

Alternatives if you cannot visit a branch

If no First National Bank branch is near you, ask customer service whether video banking is available in your state. Some banks offer this service in certain regions but not others. If video banking is not an option, you may need to open an account at a different bank that offers full online opening.

Online-only banks like Ally, Charles Schwab, and Discover do not require you to visit a branch or speak to anyone by phone. They verify your identity using information from credit bureaus and public records, and you can open an account in minutes from your computer or phone. The trade-off is that these banks have no physical locations, so you cannot deposit cash or speak to someone in person if you need help.

What happens after you open your account

Once your account is open, you can log into First National Bank's website or mobile app to check your balance, transfer money, pay bills, and deposit checks by phone camera. You will receive a debit card by mail, which you can use at ATMs and stores. If you set up direct deposit, your employer can send your paycheck straight to your account.

First National Bank offers online banking, mobile banking, and phone banking. You can also visit any branch to deposit cash, withdraw money, or speak to a banker about your account. If you have questions after opening, customer service is available by phone during business hours.

Frequently Asked Questions

Can I open a First National Bank account without going to a branch?

Not entirely. You must complete the account opening in person at a branch or through a video appointment with a banker. You can start the application online to save time, but the final step requires identity verification and a signature from a representative.

What if I do not have a government ID?

First National Bank requires a government-issued photo ID to open an account. If you do not have one, you will need to obtain a state ID or passport first. Call your nearest branch to ask whether they accept any alternative forms of identification in your specific situation.

How long does it take to get my debit card?

Your debit card typically arrives by mail within 7 to 10 business days after your account opens. You can use your account for online transfers and bill pay immediately, even before the card arrives. Some branches may issue a temporary card at your appointment.

Can I open a business account online?

Business accounts also require an in-person or video appointment. You will need your EIN, business formation documents, and a government ID for the owner or authorized representative. The process is similar to personal accounts but may take longer because the bank verifies your business registration.

What if I live in a state where First National Bank does not have branches?

First National Bank operates in select regions, primarily the Midwest and South. If you live outside their service area, you cannot open an account with them. You would need to choose a bank with branches in your state or use an online-only bank.