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Military Service Banking Program

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The FNB Military Service Banking Program is our commitment to and steadfast support for those who serve… from deployment to transitioning from military service and beyond, we are by your side so you can focus on what’s important to you and the country. 

This program provides unparalleled benefits, exclusive offers, and support for Iowa's military service members and veterans. Discover more about the FNB Military Service Banking Program below and download the program’s flyer. Thank you for your service.

Military Checking

Personal Banking

Becoming a client of the Military Service Banking Program starts with the opening a personal checking account with First National Bank and setting up a direct deposit, which provides access to the program’s benefits. All regular account opening procedures apply.

If you are making a switch from another bank’s checking account to a First National Bank checking account, you are eligible for a $100 Simple Switch Plan Bonus1, which will be deposited into your new checking account 30 days after your first direct deposit.

We offer three Relationship Checking options. Many servicemembers start with the basic Simple Cash Back account, which rewards you for using your debit card and has no minimum balance requirements or monthly fees, as long as you sign up for online statements. The Simple Cash Back account includes all of the services listed below that make it easy and convenient to access your account and make purchases and pay bills, even when you are out of the country.

Use promotional code - MILITARY - when you apply for a checking account. 

 Open a Checking Account

Convenient Access

Convenient Access to Your Accounts

Wherever you set up base, First National Bank’s Online Banking and the FNB Mobile App help you conveniently access your funds. We also offer:

Manage Your Money

Manage Your Money Your Way

When it comes to managing your money, we make it easy to do it the way you prefer to bank. Money management tools include: 

  • Bill Pay
  • Electronic funds transfer
  • Send money from your bank account using peer-to-peer payment systems like Venmo, Google Pay, and PayPal
  • Mobile payments, including the capability to add your First National Bank debit card to your digital wallet
  • Direct deposit for your military or civilian income, VA benefits or stipends
  • Make mobile deposits using the FNB Mobile App
  • First National Bank credit card for military members with good credit

Mortgage Loans

Mortgage Loans

Whether you need a home loan, home equity loan, home equity line of credit (HELOC), or assistance with your down payment, we offer discounts and mortgage lending services tailored for our military service clients. 

  • $200 Discount on Home Loan Closing Cost Credit. Program clients are eligible to receive $200 off their loan closing costs for any approved mortgage loan offered by First National Bank through the VA Home Loan program or other mortgage loan programs. With a VA Home Loan, you can buy a home or refinance with little or no down payment. VA Home Loans are available for service members, veterans, and eligible surviving spouses.
  • $100 Discount on Home Equity Loan or Home Equity Line of Credit Closing Cost Credit. Program clients are also eligible for a $100 discount on the closing costs of an approved home equity loan or line of credit.
  • Down Payment Assistance. Our mortgage lenders can assist eligible military members access the Military Homeownership Assistance program, which provides a $5,000 grant to eligible service members and veterans for down payments and closing costs on qualifying homes. In addition, our mortgage lenders can assist active-duty military and veterans apply for grants and loans through the Historic West Des Moines Housing Fund.

Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.

Learn More 

Vehicle Loans

Vehicle Loans

All First National Bank customers with active personal checking accounts and direct deposit are eligible for the Special Annual Percentage Rate (APR) on new and used vehicle loans. Loans are available for qualified applicants. See current special discounted rate information.

See Current Rates or Apply

Small Business Loans

Small Business Loans

  • First National Bank is a Small Business Administration Preferred Lender. The SBA loan program can help eligible and qualified veterans and active service members, who also own a small business, obtain financing when they might not otherwise be eligible. 
  • Small businesses may also be eligible for other commercial loans available through the bank. Our lenders will assist in identifying the loan program that is a good fit for your business.
  • All program clients are eligible for up to $300 off First National Bank’s loan closing costs for any approved commercial loan.
Learn More

Other Benefits

Other Special Benefits

Military Service Banking Program clients are also eligible to receive a wide range of other special financial benefits, including: 

  • Complimentary outgoing domestic wires (one per statement cycle).
  • No foreign currency exchange fees.
  • No fee for cashier’s checks.
  • Preferred rates on certificates of deposit (0.10% increase)
  • First National Bank customers may receive a no-obligation, complimentary consultation with a Financial Management & Trust Services advisor to become acquainted with how the bank can assist customers with the administration of their trust, coordinate with your attorney on estate planning issues, and assist with management of your finances and investments if desired. 
  • Waiver of the minimum balance requirement on one Standard Savings account.

Military Mission Money

Military Mission Money

Boost your financial IQ with Military Mission Money, a FREE online financial education resource tailored just for servicemembers about to deploy, reservists, and veterans. This website includes links to financial education resources also offered by the DoD, the Veterans Benefits Banking Program, Veterans Affairs, and other organizations serving the military.

Check Out the Free Resources


Recognition & Appreciation

  • To express our appreciation for your service, all new checking account customers who join the Military Service Banking Program will receive a complimentary American Flag, a symbol of patriotism and pride that embodies the very qualities that make our military extraordinary. 

  • First National Bank also invites program clients to join us at any of our bank locations each November to enjoy refreshments in honor of Veterans Day. Date, time, and specifics are announced closer to the events.

Contact Us to Join or Learn More

Frequently Asked Questions

1 Simple Switch Plan. A $100 bonus will be deposited into your checking account within 30 days after you have met the requirements for the bonus. 

  • Opened a First National Bank checking account.
  • Minimum of $10 deposited in account. 
  • Recurring Direct Deposit posted to the new account. 

This bonus will be reported to the IRS at year end as income to you. You will be provided with a 1099 in January of next year. The 1099 form is one of several IRS tax forms used in the United States to prepare and file an information return to report various types of income other than wages, salaries, and tips. 

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