Show Your School Spirit!

Ask for school spirit checks. Choose from Colorado City Wolves, Westbrook Wildcats or Loraine Bulldogs. A great way to support your school.

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Personal Banking

At First National Bank, we pride ourselves on being a full-service bank with a wide variety of products and services available to our customers. We understand you need choices and have committed ourselves to meeting the needs of every lifestyle.

Please review our services. Let us know if you have any questions.

Checking Accounts

We Want to be Your Bank! First National Bank has a checking account to fit every need.
  • First Club Account - Convenient, economical, and loaded with benefits.
  • Interest Checking NOW - Earn interest while you spend.
  • Student Account - A great way to start learning good banking habits.
  • Over 55 Account - Age does have its advantages, and we gave them all to you.
We have listed only a sampling of the accounts we have available. If you do not see an account that tailors to your particular needs, please feel free to call one of our personal bankers to assist you.
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Savings Accounts

We Want to be Your Bank! Whether you are saving for your child's education or next year's holiday spending, First National Bank offers a variety of savings accounts to meet your personal savings' goals.

With the convenience of having immediate access to your money, Savings accounts are a great way to build a solid savings base.

Making a deposit in your future has never been easier.
  • Regular Savings Account - A great way to start.
  • Young Savers - Encourage good savings habits now.
  • Money Market Fund Account - Some restrictions - but higher rates.
Interest rates and annual percentage yields may change on your account at any time.

We use the daily balance method to calculate the interest on your accounts. This method applies a daily periodic rate to the principal in the account each day.

If you do not see an account that tailors to your particular needs, please feel free to call one of our personal bankers to assist you.
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Debit/ATM Cards

Itís a card that works like a check! Some of the benefits include.
  • Accepted like a credit card where checks are not accepted.
  • Provides easy access to your account 24 hours a day.
  • Your 1st Card is good anywhere MasterCard is accepted, anywhere in the world.
  • Detailed transaction information on monthly bank statement.
  • Itís also an ATM Card. Use the card to get cash wherever you see the Cirrus or Pulse insignia. Fees vary depending on machine.
  • Receipt always provided after each transaction.
For more information, or to request your own 1st Card, please contact one of our personal bankers for assistance.
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Overdraft Protection

We believe it is important for you to use your checking account responsibly and to never intentionally overdraw your account. However, we realize that financial shortfalls happen from time to time and we have as a benefit for our customers a helpful service to cover you in the event that you overdraw your checking account. Overdraft Protection allows you to:
  • Stretch your money - For emergencies, errors in your account or if you just need a little extra cash before payday.
  • Eliminate paying merchant return check fees.
  • Bank with peace of mind - Your transactions will be honored up to you overdraft limit saving you from potentially embarrassing situations and possible damage to your credit rating.
Up to your Overdraft Protection Limit, we will pay your transactions and charge our standard insufficient funds fee. There will also be and 18% overdraft interest fee on your overdraft balance. We will notify you by mail if an overdraft does occur.

Please contact one of our personal bankers for complete details and restrictions.
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Wire Transfers

The faster and safer way to transfer your money.
  • Funds are transferred electronically.
  • Immediate credit to your First National Bank account.
  • Safe and efficient means of payment.
Domestic Wire Transfers
Outgoing (customer)
Outgoing (non-customer)
Incoming (customer)
Incoming (non-customer)

Some fees may apply.
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Safety Deposit Boxes

Safeguard your valuables for only pennies a day.

We offer a variety of sizes; please call one of our personal bankers to verify availability and annual rental fees.

Travelers Checks

First National Bank is proud to offer you American Express Travelers Checks.

Donít take chances when you travel.

Nothing ruins a trip faster than having your wallet lost or stolen. If you lose cash, itís gone. But Travelers Checks can be replaced, virtually anywhere in the world, usually within 24 hours. So they let you bring along peace of mind every time you travel.

First National Bank also offers American Express Checks for Two. A unique dual-signature feature enables two people to use the same check. So one of you can go sightseeing while the other relaxes.

Some fees may apply; please contact one of our personal bankers for more information.
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If you need assistance or have further questions please contact Customer Service at...
325-728-3485 or fnbccity@fnbccity.com
First National Bank | Member FDIC. Equal Housing Lender