First National Bank

Premier Checking

Happy older couple enjoys time on a park bench with their golden retriever.

Enjoy enhanced benefits and tiered interest rates

Enjoy a checking account that rewards your relationship with First National Bank. Premier Checking offers tiered interest, exclusive account benefits, and preferred pricing designed for customers who maintain higher balances.

Open an Account

Compare Checking Accounts


Is This Account Right for You?

Premier checking is a great choice if you

  • Maintain higher checking balances
  • Want to earn interest on your checking account
  • Value relationship banking with added benefits

Benefits & Features

More value. More rewards.

Benefits

  • Earn more as your balance grows with tiered interest rates 
  • Receive exclusive relationship benefits, including discounts on mortgage closing costs and paper checks
  • Enjoy preferred rates on Certificates of Deposit (CDs)

Features

  • Minimum balance of $2,500 or an Average Daily Balance of $5,0001
  • $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 (see current Interest Rates)

Why First National Bank?

Banking that's personal

At First National Bank, you'll find more than a checking account. You'll find a local banking partner committed to helping you manage your money with confidence. We combine modern banking technology with friendly, personalized service, giving you the convenience you expect with the hometown service you deserve.


Ready to Enjoy Premier Benefits?

Open a Premier Checking account and enjoy competitive interest rates along with valuable relationship benefits. Whether you apply online or visit your nearest First National Bank location, our team is here to help you get started.

Open an Account

Contact a Banker

Must be an Iowa resident to open an account online. 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. 


1There 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. 

Current interest rates, Annual Percentage Yields (APYs), and CD rates are available on our Interest Rates page.

© 2026 First National Bank. All Rights Reserved.