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Personal Checking Personal Checking, writing a check

The First National Bank in Trinidad offers a variety of checking accounts to meet your needs.  If you have any questions be sure to contact us or come in and see us in person.

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  • Regular Checking
  • $100
  • Minimum Opening Deposit
  • No APY earned each statement cycle regardless of balance
  • -
  • -
  • Now Account
  • $1,500
  • Minimum Opening Deposit
  • Minimum daily balance to obtain APY each statement cycle $500
  • Annual Percentage Yield .10%
  • Interest Rate .10%
  • Super Now Account
  • $2,500
  • Minimum Opening Deposit
  • Minimum daily balance to obtain APY each statement cycle $500
  • Annual Percentage Yield .10%
  • Interest Rate .10%
Rates effective 10/01/2018.  Fees could reduce earnings on these accounts.  Rate may change after account opening.
  • Regular Checking

    Our most basic plan.

    Minimum daily balance to avoid imposition of fees - A maintenance fee* of $2.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the statement cycle.

    Fees: A debit transaction fee* of $0.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) except ATM and POS if the balance in the account falls below $500.00 any day of the statement cycle.

    *These fees will be waived for senior citizens (55 and older) and minors (under 18). Customers must call to request fee waiver when reaching age 55 and over.
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  • Now Account

    Keeping a minimum balance earns you interest

    Minimum average balance to avoid imposition of fees - A maintenance fee of $5.00 will be imposed each statement cycle if the average daily balance for the statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
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  • Super Now Account

    Earn even more interest with a Super Now Account

    Any day the balance in your account is $2,500.00 or more, the Super Now interest rate will apply. Any day the balance in your account is between $500.00 and $2,499.99, the interest rate for that day will be the Now Account rate. Minimum average balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed each statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
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Deluxe LogoNeed to order Checks?  The First National Bank in Trinidad has partnered with Deluxe in order to offer products specific to you. 

Order Checks

FDIC Logo
Your deposits with us are protected by the Federal Deposit Insurance Corporation.  
Want to know just exactly how you are covered?  Use this helpful tool from the FDIC. 

FDIC Insurance Estimator