Checking Benefits

From combined statements and debit cards to check imaging and overdraft protection, 1st National Bank makes it convenient and easy for you to access your money and manage your account.

Telephone Banking

Transfer funds and make loan payments. Experience big bank services with small bank friendliness. Telephone banking can be accessed by calling 518-370-7201 or 1-866-480-8850.

Combined Statements

We can combine all your accounts into one easy-to-read monthly statement, eliminating unnecessary paperwork and confusion.

Check Images

Images of your checks will accompany your statement, eliminating the need for check storage.

MasterMoney Card™

MasterMoney Card™ gives you instant access to your funds, around the clock and around the globe, plus better control over your finances. Use it to make purchases or access cash, with each transaction being deducted directly from your checking account. It can be used at over 22 million locations that accept MasterCard™ worldwide.


Overdraft protection for your checking account automatically covers overdrafts up to your approved limit. You must be credit qualified.

Sure Pay

We know that no one intends to overdraw their checking account, but mistakes happen. Wouldn’t it be nice to avoid a returned item if a small mistake should occur? We think so, and are confident that if you ever need Sure Pay, you will be happy it was there for you.

What is Sure Pay?

Sure Pay is a service that adds a layer of protection to your checking account and allows us to pay an item presented, even if it causes the account to become overdrawn. That means instead of returning a check to the merchant because of insufficient funds, we will honor your check, saving you from additional merchant charges, the embarrassment of a declined purchase and helping to protect your good credit rating.

How does Sure Pay work?

Overdrafts on your checking account, up to a limit of $500 including the amount of the overdrawn item(s) and the Sure Pay fee(s), may be honored by 1st National. A $35 fee will be assessed for each item that draws your account negative. You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.

What if I already have overdraft protection?

If you have established other overdraft protection methods, such as a line of credit, we will always use that method first, before paying your overdraft utilizing Sure Pay and imposing a $35 fee for each overdraft we pay.

Do I have to apply for this service?

No. Sure Pay is a feature of your checking account for processing checks and regular ACH payments, provided you have an account in good standing. If you would like to have this service added to your ATM and/or Debit card transactions you must opt-in in writing.

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