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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
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking & Bill Pay 
  • E-Statements available 

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 First 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
  • Overdraft Privilege available
  • Small Safe Deposit Box - 1 year Free  
  • Check Safekeeping
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking & Bill Pay
  • Imaged Statements available 
  • E-Statements available
  • Eligible for First Friends Club

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

Digital Rewards Checking^

...rewards you for the things you pay for every day.  Use your debit card for your day to day purchases and receive monthly rewards along with refunds for non-First National Bank ATM transactions.^

Reward Qualifications:

  • Minimum of 12 debit card transactions (onetime debit card purchases excludes ATM transactions) with a minimum amount of $10.00 per transaction
  • Must receive monthly E-statements

Other Benefits:

  • No minimum balance required
  • No monthly service charge
  • No per check charge
  • Overdraft Privilege available
  • Reserve Checking Line of Credit available
  • Debit card
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking & Bill Pay 
  • Imaged Statements available

^ Must meet rewards qualifications as outlined at the time of account opening.

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Premier Rewards Checking**^
...Let your money work for you! Premier Rewards Checking offers your checking account a higher interest rate than our First Checking while also offering refunds on non-FNB ATM transactions.^

Reward Qualifications:

  • Must maintain a daily ledge balance of $2,000.
  • Minimum of 12 debit card transactions (onetime debit card purchases excludes ATM transactions) with a minimum amount of $10.00 per transaction
  • Must receive monthly E-statements
  • Have an ACH direct deposit or ACH withdrawal of a minimum $100.00

Other Benefits:

  • No monthly service charge
  • Interest bearing on entire balance
  • Debit card
  • Overdraft Privilege available
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking & Bill Pay 
  • Imaged Statements available

Eligible for First Friends Club

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

^ Must meet rewards qualifications as outlined at the time of account opening.

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, Money Connection Online Banking, E-Statements, Overdraft Privilege, Mobile & Text Banking

First
Checking**

$25.00$5/Mo if balance falls below $300 average daily balance Yes, if average daily balance is $500+

First Box Free for all customers.

Free for First Friend Customers. 

All the benefits of FREE Checking along with 1 year FREE Small Safe Deposit Box, Imaged Statements Available for $3/mo with $2,500 average daily balance

Digital
Rewards Checking

$25.00None No No
FREE Checking benefits plus earn cash back monthly by using your debit card 12 times a month with a $10 minimum purchase. Be re-imbursed for non-First National Bank ATM transactions.^ Imaged Statements Available.

Premier Rewards
Checking**

$25.00NoneYes NoThe benefits of FREE Checking along with a higher, competitive interest rate on balances up to $20,000. Be re-imbursed for non-First National Bank ATM transactions.^ Imaged Statements Available.

* Contents not FDIC Insured

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

^ Must meet reward qualifications as outlined at time of account opening.

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
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

News

Home Depot Breach
Home Depot has announced a security breach that has potentially compromised customer names along with debit or credit card information of card holders that made purchases at Home Depot since April 2014. Home Depot is recommending to customers who shopped in U.S. and Canadian stores to monitor their accounts for any suspicious or unusual activity.



More News.

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