Preferred Ag Checking 


Account Benefits

Receive these benefits with the Preferred Ag Checking Account:

  • No annual fee on your Business Checkcard with rewards

  • Earn reward points on qualifying purchases made with your Business Checkcard. Redeem your points for merchandise, travel, gifts cards, and more. For more information, visit

  • Protect account information and go green by enrolling for eStatements or CD-ROM statements and receive 5,000 additional points on your Business Checkcard.

  • Business Checkcard transaction statement - A monthly report with multi-card activity

  • Business Online Banking

    • Transfer funds electronically between your accounts at First National Bank

    • Manage your line of credit electronically

    • Export account information to accounting software

    • Positive Pay is available to reduce reconcilement time and prevent check fraud

  • eAlerts (text and email alerts)

  • Telephone Banking services

Account Details 

Rate Information

This account does not earn interest.


Minimum Balance Requirements

There are no minimum balance requirements to open this account.


Fees and Charges

The following fees and charges may be assessed against your account:


NSF Return Fee or NSF Paid Fee*

$30.00 per item

   Per Day Maximum


Overdraft Charge (recurring)

$30.00 each seven consecutive days

Stop Pay Charge

$30.00 per request

Returned Item Fee

$3.00 per item

Re-deposit of Returned Item Fee

$1.00 per item

Dormant Account Fee

$5.00 per month

Returned Mail Fee

$5.00 per month

Check Copy Fee

$3.00 per copy

Deposited Item Copy Fee

$3.00 per copy

Wire Transfer Fee


International Wire Transfer Fee


Collection Fee

$20.00 per item

Canadian Check Processing Fee

$10.00 per check + exchange fee



Cost for check printing varies depending on the style of checks ordered. 


*This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.

NOTE: We may report other information about your account to consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your consumer report.