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Explore our Relationship Rewards Checking accounts packed with real rewards designed with you in mind.
Experience checking that rewards you with a special 4.06% APY* through Interest Rewards Checking. Get more from your everyday banking with rewarding benefits, convenient access, and local service designed around you.
Get more from your everyday banking with rewarding benefits, convenient access, and local service designed around you.
Interest Reward Features:
- No minimum balance
- No monthly fees
- Earn 4.06% APY on balances up to $15,000 when monthly qualifications are met:
- One direct deposit or automatic withdrawal
- 25 debit card purchases per statement cycle
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Why Bank with First National Bank?
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3 Convenient Ames Locations
Friendly, local service you can count on.
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Drive-Up Convenience
Bank where and when it works for you.
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Local Decisions, Local Experts
Bank with a local team that makes decisions right here in our community.
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Digital Banking Made Easy
Manage your accounts with easy, anytime digital banking.
Experience banking that's local, personal, and built around you.
Have questions about which checking account is right for you? Our local banking team is ready to help you find an option that fits the way you bank.
Jenny Arends - Ames Main Branch Manager
515-232-5561
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Daniel Patterson - North Grand/West Ames Branch Manager
515-232-5561
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*APY = Annual Percentage Yield. APY is accurate as of September 1, 2026, and is subject to change without notice. The Special Rate APY applies to balances up to $15,000 during each statement cycle when account qualifications are met. To qualify, you must have either one direct deposit or one automatic withdrawal each month or complete at least 25 debit card purchase transactions during the statement cycle. Balances over $15,000 will earn the Interest Rewards Market Rate. If account qualifications are not met during the statement cycle, the account will earn the Interest Rewards Base Rate. Fees may reduce earnings. Contact us for current rates and complete account details.