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It's Time to Get Rewarded for the Way You Like to Bank

Why settle for average when you could be rewarded for using your checking account the way you like to bank. It's What Banking Should Be...say goodbye to outdated checking accounts and say Hello to Cash Back or Interest Rewards.

Open a New Account

We make it simple to open a new account. 

  1. Compare the three accounts. Please note that the "Special Rate" that currently applies to the Interest Rewards checking account is 2.02% Annual Percentage Yield* (APY).(Effective 9/7/22)
  2. Click on the open an account button located under the account type below that best fits you.

Switch Your Existing Account

If you have an existing First National Bank checking account, you too deserve to earn cash back or interest rewards. It's simple to make the switch. Even better, you'll keep your existing checks and continue to use your debit and credit cards. Any auto deposits and ACH withdrawals you have preset remain the same. We take care of everything that automatically switches you to a new account type of your choice.

  1. Compare the three accountsPlease note that the "Special Rate" that currently applies to the Interest Rewards checking account is 2.02% Annual Percentage Yield* (APY). (Effective 9/7/22)
  2. Complete the easy online upgrade form

If you have any questions about our checking accounts, please contact us. 

Contact Us


Using Debit Card

Simple Cash Back

Excellent choice if you want a simple, worry-free account and to be rewarded for using your debit card to make purchases. 

  • No minimum balance
  • No monthly fees
  • Free online statements
  • Receive $0.10 Cash Back each time you use your debit card to make a purchase (up to $5 per statement cycle per account).

It's just that simple. There are no monthly fees on this account. Paper statements are available for $4 per month. 

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, complete this form and we will assist you in opening your account. 

Open a Simple Cash Back Account Online 


Interest Rewards

Interest Rewards

Ideal account if you bank electronically, use your debit card to make purchases, and want to be rewarded with a special interest rate* (currently three times higher than the national checking account average). 

  • No minimum balance
  • No monthly fees
  • Free online statements
  • A special interest rate of 2.02% Annual Percentage Yield* (APY) on balances up to $15,000 during each statement cycle when you meet the following electronic banking criteria: 
    • One direct deposit or one automatic withdrawal; and
    • Use your debit card 25 times per statement cycle to make purchases. 

Balances above $15,000 receive the regular market interest rate. If you don't meet the electronic banking criteria necessary to receive the special interest rate*, you will still receive the regular market interest rate. Current interest rates are available here. Paper statements are available for $4 per month. 

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, complete this form and we will assist you in opening your account. 

Open an Interest Rewards Account Online


Couple Using Premier Checking

Premier

Perfect option if you prefer a traditional account that rewards you for your checking balance. Interest rates are tiered, so as your balance grows, your interest rate also increases. 

  • Minimum balance of $2,500 or an Average Daily Balance of $5,000
  • $10 discount on paper checks per order
  • Free online or paper statements
  • $100 discount on mortgage closing costs
  • Preferred rates on CDs (.10% increase)
  • Tiered interest rates on all balances (current interest rates available here)

There are no fees as long as the minimum balance is met. A $10 fee for balances below $2,500 or an Average Daily Balance of $5,000 will be assessed each statement cycle. A $10 check discount per order. 

Must be an Iowa resident to apply. If you are a non-resident who is planning to move to Iowa, complete this form and we will assist you in opening your account. 

Open a Premier Account Online

*Annual Percentage Yield (APY) accurate as of September 7, 2022.  A minimum deposit of $10 to open account.  Rate tiers are as follows: Special Rate 2.02% APY applies to balances of $0.01 - $15,000 and 0.05% paid on balances over $15,000, as long as qualifications are met each statement cycle.  Base Rate of 0.02% APY will be earned on all balances if qualifications are not met.  All balances over $15,000 will earn a blended rate as long as all qualifications are met, for example a $20,000 balance would earn 2.02% for the first $15,000 and 0.05% for the other $5,000, making the blended rate 1.53%.  Rates may change after the account is opened.  Fees may reduce earnings. 


Specialty Services Account

Looking for an account for a special purpose, such as: nonprofit organization, an estate, memorial, club, association or conservatorship? Our Specialty Services Account may be the perfect account for you! Click here to learn more about the Specialty Services Account.


Perks


Frequently Asked Questions

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