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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
  • ATM and SHAZAMChek ® cards –no fees!
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • 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
  • ATM and SHAZAMChek ® cards –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
  • 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
  • ATM and SHAZAMChek ® cards – 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
  • Money Connection Online Bill Payer™

**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
  • ATM and SHAZAMChek® cards –no fees
  • Overdraft Privilege available
  • Reserve Checking Line of Credit available
  • FREE Money Connection™ 24-hour Phone Banking
  • FREE Money Connection Online™ Internet Banking
  • Money Connection Online Bill Payer™
  • Low monthly charge of $4.75 provides over 12 additional benefits

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

 

Account Comparison Chart

Type of
Account
Minimum
Deposit
to Open
Service
Charges
Interest
Bearing
Free
Checks
Additional
Features
Free
Checking
$25.00NoneNoNoATM or SHAZAMChek® Card available, Online Banking
Traditional
Checking
$25.00$3/Mo if balance falls below $100 average daily balance NoFirst 40 checks Age 55+ FREE ATM or SHAZAMChek® 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
11 Months 1.50%
36 Months 2.10%
60 Months 2.65%
Rates Subject to Change
SEE ALL CURRENT RATES

 


 

News

Money Connection Online Unavailable
First National Bank will be doing system updates on Sunday, September 12th. As a result, Money Connection Online will be unavailable from 8 a.m. until approximately 1 p.m. Money Connection Telephone Banking will be available for everything except balance transfers. The phone number for phone banking is 319.352.2591. Thank you for your patience!

FDIC Coverage to $250,000 Made Permanent
The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

First National Bank Wants Customers Aware of New Overdraft Rules
First National Bank wants consumers to be aware of new rules that will go into effect this summer governing overdraft coverage and fees. These rules prohibit financial institutions from charging overdraft fees on ATM withdrawals and debit card purchases unless the consumer has opted into the overdraft coverage service. The new rules take effect July 1 for new accounts and Aug. 10 for existing accounts.



More News.