First National Bank of Polk County, Ga. is a full-service bank, offering a wide variety of products and services, including web based services. First National offers an exclusive program to those 50 years and older who maintain a checking, savings, IRA or CD of $1000.00 or more. You ll First Nation Bank provides social night and trips together sponsored by the bank. Other benefits include free checking no minimum balance requirement, no per-check fees, free travelers checks, merchant discounts at selected locations throughout the area, mystery tours, weekend ventures, seminars and social activities.