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Interest Rewards Card

Interest Rewards Card

Experience the debit card and checking account that rewards you with 4.06% APY on balances up to $15,000*, which is more than 3 times the national average on checking accounts.

Let your card take you where you want to go. Buy what you want to buy. 

Easily turn your card off if misplaced or stolen and turn it back on if located.

Sign Up Today and Get a $50 Deposit Bonus!

Enjoy $50 as a new First National Bank customer when you open an Interest Rewards account and make your first direct deposit.* Offer ends June 30, 2024.

Use coupon code: IRPROMO 

Apply Online

Interest Rewards debit card

Get Rewarded for the way you like to bank...with your debit card.

  • Earn 4.06% APY interest rewards on account balances up to $15,000, with qualifying debit card and ACH transactions.*
  • No minimum balance and no monthly fees. 
  • Free online statements. 
  • Make purchases anywhere MastercardTM is accepted.
  • Tap. Insert. Swipe. 
  • Shop online or in-store. 
  • Transfer funds.
  • Pay bills. 
  • Access to 55,000+ fee-free MoneyPassTM ATMs. 
  • Includes a First National Bank Interest Rewards checking account, as well as mobile and online banking. 
  • Comes with free digital banking tools that put you in control of your debit card, personal banking, and financial well-being. (Card Management, Alerts, and Money Management)
  • Block your card in one tap if lost or stolen. 

Add the Card to Your Digital Wallet

  • Convenience. You can access your information from multiple devices and save time when transferring or paying. 
  • Security. Your information is encrypted and protected, which reduces the risk of fraud or theft. 
  • Organization. You can keep track of your spending and receipts in one place. 
  • Contactless payment. You can use your digital wallet to pay with a tap or a scan, which is faster and safer than cash or cards.

Interest Rewards Debit Card Advantages

  • Debit cards help you avoid debt. Because the card is linked to your Interest Rewards checking account, every transaction is taken out immediately when you make it. 
  • No annual fee. 
  • Use it at any of our surcharge-free ATMs.
  • Debit cards can be used to make both in-store and online purchases. 
  • They help you stay within a budget. 
  • You can dispute any charges that seem suspicious. 

Family of 3

Why People Choose First National Bank

  • Voted 2023 Best Bank in Story County, Iowa. 
  • You can do all of your in-person, online and mobile banking in one place. 
  • You can call or stop by one of our locations to talk to a Relationship Banker. You can't do that with a Big Tech company that offers an automated customer service center based out of who knows where. 
  • We have been around since 1903 and customers prefer to bank with us because of our friendly, personal services, responsiveness, privacy and security, and community focus.

*To qualify for the $50 bonus, provide offer code IRPROMO, open an Interest Rewards checking account by June 30, 2024, and make a direct deposit within 90 days of account opening. Minimum deposit of $10 to open account. The bonus will be added to your new account within 30 days of completing qualifying activity requirements. Interest Rewards is an interest-bearing account and all balances up to $15,000 during each statement cycle earn the Interest Rewards Special Rate of 4.06% Annual Percentage Yield (APY) when you meet the qualifications of one direct deposit through the Automated Clearing House (ACH) of payroll, pension, social security, government benefits, and other payments to your checking account; or one automatic withdrawal monthly; and use your debit card 25 times per statement cycle to make purchases. If you do not meet the qualifications, you will still receive the Interest Rewards Base Rate of 0.02% APY. APYs accurate as of 12/27/23 and may change at any time. Offer valid for new accounts for clients who do not have an existing First National Bank checking account. To receive the bonus, the account must not be closed or restricted at the time of payout. Bonus is considered interest and will be reported on IRS Form 1099-INT. Account opening subject to credit approval. The national average interest rate is based on the FDIC Monthly National Rates, as of Feb. 20, 2024.

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