Banking That Works Around Your Life
Explore our Relationship Rewards Checking accounts packed with real rewards designed with you in mind
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
Why Bank with First National Bank?
- 3 Convenient Ames Locations
- Drive-Up Convenience
- Local Decisions, Local Experts
- Digital Banking Made Easy
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.
Jenifer Walter - Ames Private Banker
515-232-5561
Karen Tomlinson - Ankeny Branch Manager
515-232-5561
*APY = Annual Percentage Yield. APY is accurate as of July 29, 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.
