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Banking Services

When you trust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why First National Bank has so many accounts to choose from. From regular checking accounts to NOW accounts to Money Market Accounts, you'll find the one account that has your best interest at heart.

Online Banking First Time Login Directions


First National Bank is very excited to announce that we have a new internet banking service.The new site offers all of the same functionality you have been accustomed to while introducing new features too.There will be a few setup steps you will need to complete in order to login to your online banking for the first time.


  • Use your existing login ID and click login.
  • The system will ask for your secret answer.Your secret answer is your current login ID + last four digits of your Social Security Number.
    • If your login ID is jdoe and your Social Security Number is 123-45-6789, then your secret answer will be jdoe6789. This is just an example please do not enter jdoe6789 as your secret answer.
  • The system will then walk you through an initial registration process.You will choose new security questions, a new security image, a new security phrase, and a new password.
  • If we do not currently have an email for you on file, the system will prompt you to enter a valid email address at this time. Your email address may be used for password resets, account alerts, and bank communication.

Online Banking


Banking 24 hours a day from the privacy of your home or office using your Personal Computer. All activity is personal, confidential and completely secured. Register on-line or at one of our branch locations.

Highly Competitive Rates


Check our competitive rates on CD's, IRA's, Savings and Checking accounts. (Interest rates change on a daily basis, call your Evant or Gatesville First National Bank branch for more information).

  • CDs - Please call for current rates
  • IRAs - Please call for current rates
  • Savings Accounts- Personal and Commercial
  • Interest Bearing Checking Accounts



Call us at 1-866-224-2514 and do your banking any time or place.

  • 24-Hour Banking Convenience
  • Easy Transfers between Checking & Savings
  • Banking made easy from any touch tone telephone

Merchant Services


Credit card processing. It’s a partnership between our bank and your business to get low standard rates with no hidden costs and affordable equipment. Whether you lease or own you equipment we can offer the convenience of excepting Visa, Mastercard (Debit or Credit), American Express, and Discover. We can additionally offer Telecheck Services (electronic check acceptance and check guaranty).

Visa Debit/ATM Card


  • Doubles as your ATM card
  • Accepted anywhere you see the Visa symbol, yet there are not credit charges
  • Money to pay for purchases is deducted from your checking account
  • No I.D. or other personal information required
  • It is easy to keep track of your cash, since all transactions are listed on your checking statement
  • Download the Visa Debit/ATM Card Application

ATM Service


ATM service available in Gatesville only. We will offer worldwide service through the Pulse and Cirrus Networks. After regular business hours call (800) 264-4274 to report a lost or stolen card.

Re-Order Checks


Think of your checks as a form of personal expression. Share an interest, a hobby, a passion without saying a word. YOUR CHECKS. YOUR CHOICE. Choose now.

Premium Services


  • Merchant Services- Ask us for an application
  • Cashier’s Checks – Ask for information at the teller window or drive thru
  • Safe Deposit Boxes - We have boxes available at both branches.
  • ATM Services - At our Gatesville location.
  • Night Depository

Safety Deposit Boxes

Evant Annual Rent Fees

  • 5x3 - $8
  • 5x5 - $10
  • 11x3 - $12
  • 11x5 - $14
  • 11x10 - $16

Gatesville Annual Rent Fees

  • 5x3 - $15
  • 10x3 - $20
  • 10x5 - $30
  • 10x10 - $40

Miscellaneous Fees/Charges


  • Insufficient Funds Charge (NSF) - $25
  • Overdraft Fee - $25
  • Stop Payment Fee - $25
  • Sweep Fees to Cover Overdrafts (per sweep) - $10
  • Telephone Inquiry Charge - $2
  • Account Research Fee - $30/hr.
  • Account Closing Fee - if account is closed within 90 days of opening - $30
  • Activity Printout (screen print) - $2
  • Cashier's Checks - $4
  • Photocopies (per page) - $0.25
  • Fax Fee (per page) - $1
  • Wire Transfer Fee (domestic) - $20
  • Wire Transfer Fee (international) - $40
  • Collection Items - $10
  • Levies/Garnishments - $10

Inactivity Fee

  • Accounts inactive for eleven months with balances of $35.00 or less, will be charged an Inactivity fee for the balance and the account will be closed.

ATM Fees

  • Use of Foreign ATM Machine (per transaction) - $0.75
  • Replacement Card Charge - $5