Checking Contact Us

Honest banking with no strings attached.
First National Free Checking has nothing to hide.

No hidden fees. No worries.
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How we compare in Colorado

We've designed a checking account that's all about putting you first. When you dare to compare, you'll see not all checking accounts are created equal. Use the chart below to see how First National Free Checking stacks up to other banks in your area.

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Source: Informa Research Services, Calabasas, CA. www.informars.com. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed. Last Updated: 11/06/2017 12:59 PM

Benefits & Features

Free is just the start for First National Free Checking. With a First National Free Checking account you also get the following benefits:

The Perks

  • $0 Monthly Service Fees
    $0 Monthly Service Fees No direct deposit or minimum balance requirements either. Free means free. No hoops to jump through and no worries.
  • No ATM Fees From Us
    $0 ATM Withdrawals No ATM fees from us (other bank and ATM operators' surcharges may apply).1
  • No Minimum Balance
    No Minimum Balance Our free checking is not dependent on your day to day balance. Not only do we have no minimum opening deposit, we have no minimum balance requirements - period.
  • Easy Online & Mobile Banking
    Easy Online & Mobile Banking Online Banking is a free service that allows you to access your accounts 24/7. Access accounts from your mobile device to pay bills, deposit checks and transfer money.
All Benefits
  • No monthly service fees
  • No minimum deposit to open or minimum balance requirement
  • Free Visa® Debit Card
  • One Overdraft or Return Item Forgiveness every 12 months2
  • Free ATM withdrawals1
  • Free bank logo checks, cashier's checks, and incoming wires
All Features
  • Online, mobile and banking, 24-hours a day
  • Free statements – online or paper
  • Direct deposit makes saving simple and easy
  • Free Debit Card Fraud Monitoring
  • Premium rates on Savings, Money Market, CD and IRA accounts for existing customers

Get Started

Ready to bank with First National? Opening an account is easy.

Frequently Asked Questions

We're here to help! Still have questions, check out our most popular inquiries below.

You say this is a free checking account with no hidden fees - what's the catch?
There's no catch. We have a history of doing what's right for our customers. You told us you were concerned about fees and we listened.
I'm a business customer. Can I get the same benefits on my business checking account?
First National Free Checking is currently a consumer product only, however, please check out our Small Business or Corporate Banking websites for a listing of our available products and services.
How does Overdraft or Return Item Forgiveness work? Will the Overdraft or Return Item Fee automatically be reversed?
If you are eligible to receive an Overdraft or Return Item Forgiveness at the time of your occurrence, the fee will be automatically waived. Overdraft or Return Item Forgiveness will waive one Overdraft or Return Item fee every 12 months from the date of your last automatic refund. For example, if an Overdraft or Return Item fee is automatically waived on January 1st of this year, your next eligibility date would be January 1st of the following year.
How quickly will you forgive the Overdraft or Return Item fee?
We will be able to confirm and issue the forgiveness the same business day - automatically.
Will I be charged an Overdraft Item fee if my account is overdrawn?
Our Overdraft Item Fee is $33 per item (max 4 per day). We will not charge this fee if 1) your balance is overdrawn by $20 or less or 2) the transaction overdrawing your account is $20 or less. Our Return Item Fee is $33 per item (max 4 per day). We will not charge this fee if the amount of the transaction being returned is $20 or less. Learn about our Overdraft Protection and Overdraft Service options.

Take the game with you

Upgrade to one of our Fan Card designs at no additional charge. These cards carry the same benefits as the Platinum Visa® Debit Card and there is no annual fee for this card.

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