First National Bank is your full service community bank

We offer products and services that make your banking experience more productive and convenient. After all, we are Your Family, Your Future… Your Bank. Click on the links for more information. And if you have more questions, don’t hesitate to call one of our friendly customer service representatives for more information.
FNB Bank Check Card
It looks like a credit card... but it isn't. It's accepted everywhere a MasterCard card is welcome... but it's not a credit card. The First National Bank MasterCard Check Card gives you the luxury of paying with a card, but you don't have to worry about a big credit card bill at the end of the month.

MasterCard Check Card is the same as writing a check but it's faster and is accepted virtually anywhere. Funds are withdrawn from your checking account and there's no annual fee.

You can also use your MasterCard Check Card to withdraw funds from any First National Bank automated teller, as well as at any ATM across the country using the systems listed on the back of the card.*

Now that you know what a MasterCard Check Card can do... shouldn't you have one?
* Fees may apply when using ATMs not owned by First National Bank.
Visa, Mastercard
Eliminate the hassle of carrying cash and wondering whether or not your checks are going to be accepted. Carry a First National Bank VISA or MasterCard instead. There's no annual fee, they're accepted worldwide and nothing's more convenient
Family heirlooms, valuable papers or precious jewelry need the protection that only a First National Bank Safe Deposit Box can offer.

We offer Safe Deposit Boxes as small as 3"x5" or as large as 10"x10" with three additional sizes (5"x5", 3"x10.", 5"x10.") in-between.

For a small annual fee you'll know irreplaceable items are safe, secure and not far from home with a First National Bank Safe Deposit Box.

*Contents are not FDIC insured.
  • $2 charge for official checks of any amount
  • 2 free with the Preferred Checking Account.
Order your checks online from Harland Clarke, our preferred provider. Secure, Fast Ordering – Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone.

The site is VeriSign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.
Please call 423-663-4044 for wiring instructions.
Night Deposit
Available to all customers at all four locations of First National Bank. We have keys and night deposit bags available for our business customers.
Direct Deposit
Let's see, you get your paycheck and take it to the bank... that's waiting in traffic, driving time, gas money and one or two bad drivers. Or, you could use Direct Deposit to have funds transferred to your account while you enjoy life, liberty and the pursuit of happiness.

Direct Deposit is free. Application forms are available at any branch location so pick one up and get out of traffic today.
Sometimes unexpected things happen and checks or payments bounce. With bounce protection, you have a special overdraft privilege that acts like a safety net or extra protection. When you write a check or have other transactions beyond the balance in your account, it’s covered up to a preset limit.

24-hour banking by phone
(423) 569-BANK or (423) 569-2265

Bank Line 24 from First National Bank lets you bank while...
  • waiting in traffic
  • sitting at the fast food's drive-thru window
  • sunning on the beach
  • working at the office
  • relaxing in your hotel room... in another state... any state
Got the picture? With Bank Line 24 all you need is a touchtone phone and you're able to access account information 24 hours a day, seven days a week.

With the touch of a button you can transfer funds, check your balance and deposits, find out your next loan payment date, get a record of interest paid or earned to date... even check on community events!

Step 1
Before you call, have your account numbers ready. You will also be asked to enter your Personal Identification Number (PIN). The first time you access each account menu, your PIN will be the last four digits of the social security number of the primary account holder (for joint accounts this is usually the first name on the account. Call us if you have problems). For your safety, you will be instructed to change your PIN to a new four digit number that only you know, so think of one before you call.

Step 2
Call 423-569-2265 from any touch-tone phone. You may also call from a rotary service phone with tone capability or by using a tone dialer.

Step 3
Listen to the welcome message and follow the simple instructions. To make your selection, simply press the corresponding number on your telephone. To return to the main menu press 3*, on most menus press # to repeat, * to Go Back, or 5* to skip.
Main Menu
  1. Account Balance

  2. Account History
    1. All Transactions
    2. Last 5 Withdrawals
    3. Last 5 Deposit
    4. ATM’s
    5. Amount
    6. Check #
      1. Specific Check Number
      2. Check Number Range

  3. Transfer Funds or Make a Payment
    1. Transfer funds immediately
    2. Schedule a transfer
    3. Make a payment
    4. Hear schedule transfers
    5. Delete schedule transfer

  4. Debit Card Services
    1. Activate a Card
    2. De-Activate a Card

  5. Merchant Check Verification

  6. Change Pin Number

  7. Future Dated Transactions
    1. Hear ACH Transactions
    2. Hear Scheduled Funds Transfers
Quick Tips
  • Main Menu 3*
  • Go Back *
  • Skip 5*
  • Repeat #
  • Next Item 1
  • Previous Item 2
  • Access another Account Number 9*
  • Exit – Hang up
Helpful Hits
  • Wait for the prompt before entering your PIN
  • You can change your PIN (you cannot reuse a pin)
  • Use the asterisk (*) as a decimal point when entering funds (e.g. enter 54*27 for $54.27)
  • You can search for checks or deposits by date, amount or check number.
Drive Thru Banking is available at all four First National Bank locations for customer convenience: Oneida Office, Central Office,  Winfield Office, and LaFollette Office.
Visit our 4 ATM locations for customer convenience

  • FNB Main Office – Oneida
  • FNB Central Office – Helenwood
  • FNB Lafollette Office – Lafollette
  • FNB Winfield Office - Winfield