Personal Banking - Checking

Free Checking

The perfect checking account for the simplified lifestyle. Free Checking allows you the convenience of unlimited check writing, Visa Check Card use, and telephone and online access without being charged a monthly maintenance fee, EVER!! While other banks “Free” Checking Accounts come with hidden restrictions – You MUST have direct deposit, you MUST use your debit card three times a month. You MUST write less than 20 checks per month - The First National Bank of Bank of McHenry’s Free Checking Account comes with NONE OF THESE RESTRICTIONS whatsoever. With Free Checking statements are mailed monthly. The name says it all – it’s totally Free Checking Free Checking !

Advantage Checking

Discover The First National Bank of McHenry advantage. The Advantage Checking Account offers basic checking services and some valuable add on benefits that you will find useful and convenient in your busy lifestyle. This interest bearing checking account gives you unlimited check writing and is available to you at no cost provided the balance in the account does not fall below $100 any day of the statement cycle. Should this occur, a nominal charge of $9 for that statement cycle will be assessed. Some of the great add-on benefits include …

… all at no additional cost to you.

Advantage Plus Checking

Our most popular account!! By combining the same outstanding add-on benefits found in the Advantage Checking Account, as well as many other useful bank products and services either at no charge or a discount, the Advantage Plus checking account provides you with an exceptional value in a household checking account. In addition to the benefits listed above as part of the Advantage Checking Account, Advantage Plus members also receive the following extra benefits for the low monthly charge of $7.

Advantage 55 Plus Checking

It’s Advantage Plus Checking if you are 55 years old or better. Enjoy all the benefits of Advantage Plus Checking at a discount of only $4 per month.

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Performance Checking

Higher Balance Checking Account consumers will get the most from the Performance Checking Account. It combines unlimited check writing with interest being earned and paid on all balances. This high performance account is built with three interest rate tiers to provide you the maximum return on your balances. You may avoid the monthly $10 charge, if you, each day of the statement cycle maintain a minimum balance of $1,000 or an average daily balance of $1,500. Performance Checking account holders also receive free unlimited access to First Fone Telephone Banking and Personal Online Banking as well as a free Visa Check Card. Statements are prepared and mailed monthly with check images.