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Checking

Free Checking
...is easy and, yes it's free!

  • No minimum balance required
  • No monthly service charge
  • No per check charge
  • Overdraft Privilege available
  • Reserve Checking Line of Credit available
  • Debit card with no fees!
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • E-Statements available
  • Money Connection Online Bill Payer™

 

Traditional Checking
... is designed for a low minimum balance, plus additional features and benefits!

  • No monthly service charge if average daily balance exceeds $100
  • Unlimited check writing
  • Debit card –no fees!
  • Overdraft Privilege available
  • Check Safekeeping
  • Free checks for customers aged 55 and better.
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • E-Statements available
  • Money Connection Online Bill Payer™

Premier Checking **
...pays you a competitive interest rate on your balance while providing all the benefits of a checking account!

  • No monthly service charge if average daily balance exceeds $300
  • Unlimited check writing
  • Interest bearing when account's average daily balance is $500 or more
  • Debit card – no fees
  • Overdraft Privilege available
  • Check Safekeeping
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • E-Statements available
  • Money Connection Online Bill Payer™
  • Eligible for First Friends Club

**Variable Rate Account: The rate may change after the account is opened

Premier Plus **
...Offers the flexibility of a checking account, the benefits of a savings account, and a package of additional features!

  • No monthly service charge if average daily balance exceeds $500
  • Unlimited check writing
  • Interest bearing on entire balance
  • Debit card –no fees
  • Overdraft Privilege available
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • E-Statements available
  • Money Connection Online Bill Payer™
  • Low monthly charge of $4.75 provides over 12 additional benefits
  • Eligible for First Friends Club

**Variable Rate Account: The rate may change after the account is opened

Debit Card
...is a flexible and convenient way to purchase items and obtain cash.  It offers safe worldwide access to VISA and Shazam networks and saves on check purchasing.   

First National Bank offers several debit card choices for checking account customers.

Traditional debit card - This option is offered free with any of our checking accounts.

MyPic debit card - This option allows the customer to customize their debit card with a photo of their choosing and provides additional security.  There is a minimal fee associated with this card.  Click here for more information.

 

Account Comparison Chart

Type of
Account
Minimum
Deposit
to Open
Service
Charges
Interest
Bearing
Free
Checks
Additional
Features

Free
Checking

$25.00NoneNoNoDebit Card available, Online Banking

Traditional
Checking

$25.00$3/Mo if balance falls below $100 average daily balance NoFirst 40 checks Age 55+ FREE  Debit Card available, Online Banking, Imaged Statement available; $3/Mo

Premier
Checking

$25.00$5/Mo if balance falls below $300 average daily balance Yes, if average daily balance is $500+ First Box
1 Year FREE, 2" X 5" Safe Deposit Box*, Consumer Loan Discount available, Online Banking, Imaged Statement available: $3/Mo unless $2500+ average daily balance

Premier Plus
Checking

$25.00$4.75/Mo additional $7.50/Mo if balance falls below $500 average daily balance Yes, on entire balance YesFREE Checks, 3" x 5" Safe Deposit Box*, Fax (Limit 5/Mo), Photocopies (Limit 10/Mo), Bank by Mail Packages, Consumer Loan Discount available, FREE Personal Financial Inventory or Analysis by First Investment Services, Notary Service, Online Banking, Imaged Statement

* Contents not FDIC Insured

For questions concerning any and all deposit accounts, please refer to the brochure, "Your Deposit Account/Terms and Conditions" Disclosure that was previously provided to you, or call an account representative at (319) 352-1340.

 

CURRENT CD RATES

APY as high as: Rate
15 Months 0.70%
36 Months Raise-a-Rate** 1.00%
60 Months 1.50%
Savvy Saver 24 Month (21 years and younger) 1.00%
Rates Subject to Change
SEE ALL CURRENT RATES

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