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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 It's What Banking Should Be...say goodbye to outdated checking accounts and say Hello to Cash Back or Interest Rewards.

For a Spanish version of the checking account options, click here. 

Apply for a Checking Account

We make it simple to apply for a checking account. 

1. Compare the three accounts. Please note that the "Special Rate" that currently applies to the Interest Rewards checking account is 4.06% Annual Percentage Yield* (APY). (Effective 12/19/2024)
2. Click on the open an account button located under the account type below that best fits you.

Apply for a Minor's Checking Account

Review the checking account options below and then click on the green button to start the application process. Minors ages 13-17 without an ID are eligible to apply for a checking account with their parent/guardian as a joint owner. 

Apply for a Minor Account

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

Contact Us| Current Rates

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*Annual Percentage Yield (APY) accurate as of December 19, 2024. A minimum deposit of $10 to open account. Interest Rewards Special Rate of 4.06% APY applies to balances up to $15,000, as long as qualifications are met. Balances over $15,000 will earn a blended interest rate of the Interest Rewards Special Rate and the Interest Rewards Market Rate, as long as qualifications are met each statement cycle. The Interest Rewards Base Rate will be earned on all balances when qualifications are not met. 

Rates may change after the account is opened. Fees may reduce earnings. 

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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.

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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 accounts. Please note that the "Special Rate" that currently applies to the Interest Rewards checking account is 4.06% Annual Percentage Yield* (APY). (Effective 12/19/24)
2. Complete the easy online upgrade form. 

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Frequently Asked Questions

• • What documents and information do I need to open an account?

  • What Do You Need to Open a Relationship Checking Account? 

    You can apply online if you're 18 years or older and a legal U.S. resident. 

    Here's a list of what you'll need to apply.   

    1. Two forms of government-issued ID. At least one of the IDs must be a photo ID. Acceptable forms of ID include: A driver's license, REAL ID card, DoD ID card (also known as Department of Defense ID Card), Passport, Social Security card, Birth Certificate [Nondrivers can get a state ID card at the Iowa Department of Transportation.]
    2. Your current residential address. 
    3. Your birth date.
    4. Your Social Security number or Taxpayer Identification number.
    5. Your phone number and email address. 
    6. A minimum opening deposit of $10 to activate your account (once you've been approved). All three Relationship Checking accounts have a minimum deposit requirement to open. 

    Depending on your circumstances, you might need a few other items, too:

    1. If you're opening a joint account, you will need to provide documentation to confirm the identity of each person listed as an account holder and a signature from each of them. 
    2. If you're under 18 years old, you will need a parent or guardian over 18 to open the account with you.  

    If you are wanting to open a checking account and need help, you can talk to a Customer Service representative by calling 515-232-5561 or stop by any of our locations and one of our relationship bankers will be able to assist you. 

  • Do the Relationship Checking accounts come with Bill Pay?

  • Online bill pay is a service offered with all of the Relationship Checking accounts. This service helps customers pay their bills quickly and seamlessly. With online bill pay, you can have money sent directly from your bank account to those you owe with a click of a button. You can use online bill pay to pay a number of bills - rent, mortgage, cable, phone, utilities, and credit cards --- all from a single dashboard. 

  • Do you offer online and mobile banking with Relationship Checking accounts?

  • Wherever you are, we've got you covered with online and mobile banking. Both online and mobile banking services are available to use with your Relationship Checking account. 

    Online banking refers to any bank transaction that can be conducted over the Internet, through the bank's secure website under a user's unique private profile, and with a desktop or laptop computer. Checking account holders must register with First National Bank online and create a login ID and password to use this service.

    Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. Mobile banking allows you to access your account through an app downloadable to your smartphone.