Welcome to First National Bank

Through today's online and mobile banking technology blended with First National Bank's superior in-person banking services, we offer customers an exceptional banking experience...What Banking Should Be.

Whether you are a brand new customer to the bank or an existing customer opening a new account, we are so grateful you have selected First National Bank.

To take full advantage of all of our services, the first step is to enroll in Online Banking. Online Banking opens the door to the wide range of digital banking services available to customers.

Next, we'd like to introduce you to the many consumer bank products and services that may benefit or interest you now or in the future. See the Services & Products At-A-Glance below. You may be surprised to learn how many services are available to you at absolutely no cost.

If you have any questions about these products/services, don't hesitate to contact us.

When You're Ready to Start

We try to make it as convenient as possible for our customers to access and utilize their banking services, from wherever and however they like to bank. The choice is yours!

On our website at FNB247.com
Through Online Banking
On your mobile device using the FNB Mobile App
In-person at any of our bank locations, where you will receive personal assistance from a Relationship Banker
Via phone through our Customer Service Center: 515-232-5561 or 641-342-6581
At any of our convenient interactive teller machines (mini-banks in a box)

Personal Banking Services and Products At-a-Glance

Bank Products and Services
	Automatic Payment Withdrawals Customers use automatic payment withdrawals set up with a merchant or service provider to pay bills and other recurring payments from their bank account. This could be utility bills, credit card bills, monthly fees, car payments, or even a mortgage.
	Certificate of Deposit (CD) A certificate of deposit is a time deposit that differs from a traditional savings account in that the CD has a specific, fixed term and a fixed interest rate. Learn more.
	Checking Accounts FNB offers three Relationship Checking accounts that offer reward customers with either cash back or interest. Learn more.
	Credit Card Customers can apply for a UMB Simply Rewards Visa Signature Credit Card, a card that offers rewards on your everyday purchases. Learn more.
	Debit cards For 24/7 access to your checking, savings, or money market account, request a debit card. Learn more.
	Direct Deposit Direct deposit is the worry-free way to have payments, like Social Security, your pension payments or your paycheck, deposited automatically into your FNB checking or savings account.
	Financial Management & Trust Services (First Point) Trusted and certified wealth advisors and trust officers provide clients with asset management services, wealth transfer strategies, estate planning, and trust services. Learn more.
	FNB U FNB U is a FREE online, personalized education tool that helps users gain financial confidence, improve financial well-being, and build wealth. Learn more.
	Fraud Prevention (ID TheftSmart) ID TheftSmart offers identity theft protection and credit monitoring services. Learn more.
	Health Savings Account (HSA) A HSA is a tax-exempt account that individuals can use to set aside money for future medical expenses. HSAs are used in conjunction with a high-deductible health plan. Learn more.
	Individual Retirement Account (IRA) An IRA account is set up through the bank that allows you to save for retirement with tax-free growth or on a tax-deferred basis. Learn more.
	Medallion Signature Guarantee Service This program is designed to protect you by making it harder for people to steal your securities by forging your signature on your securities certificates or related documents when you sell or transfer U.S. securities. Learn more.
	Power Banking (Automatic Saving) Power Banking is a way to automate your savings and pay yourself first. Instead of waiting to put money into your savings until after you pay your bills each month, automatic transfers allow you to save money first. Learn more.
	Private Banking (Concierge Banking) First Point Private Banking pairs banking clients with Private Bankers who handle all of their financial tasks within the bank. Private Banking clients meet certain financial requirements and earn perks for their relationship with the bank. Learn more.
	Safe Deposit Box A safe deposit box is a secured container that stays in the bank vault to protect important personal documents, collectibles and family heirlooms. Boxes are available to rent at most FNB bank locations. Learn more.
	Savings & Money Market Accounts A savings account is a deposit account held at the bank that provides principal security and a modest interest rate. A money market account is a savings account that has debit card and check-writing privileges. Traditionally, money markets have offered higher interest rates than regular savings accounts. Learn more.
	Savings Bonds While savings bonds must now be ordered online through the U.S. Department of Treasury; First National Bank can still redeem paper bonds at the bank for its customers. Learn more.
	Wealth Management First Point Wealth Management is a specialized advisory service that caters to the financial planning and investment management needs of clients. Learn more.
	Wire Transfers Wire transfer is a method of electronic funds transfer from one person or entity to another, domestically or internationally, using the bank as the facilitator of the transfer. Learn more.
Consumer Loans
	Auto Loans Apply online for a new or used vehicle loan. Fast application, competitive rates, and quick decisions. Learn more.
	Bridge Loans A bridge loan is a short-term loan that can help individuals caught in the middle between selling their existing home and purchasing their next one. Learn more.
	Home Construction Loans A home construction loan is a short-term, higher interest rate loan that provides the funds required to build a residential property, and before the loan is eventually converted to a long-term mortgage loan. Learn more.
	Home Equity Line of Credit (HELOC) A HELOC is a revolving source of funds, much like a credit card, that you can access as you choose, and that uses the equity in your home as collateral. Learn more.
	Home Equity Loan A home equity loan is a fixed-term loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. Learn more.
	Mortgage Loans & Refinancing Loans A purchase mortgage is the funding used to finance the original purchase of a home. A refinance loan allows homeowners to make changes to their existing mortgage term or rate, or both. Apply quickly online, get prequalified, quick decisions. Learn more.
	Personal Loans A personal loan is a short-term, unsecured installment loan with a fixed interest rate that is repaid in equal monthly payments for the life of the loan. They are a good option to cover an emergency expense or a special purchase. Learn more.
	Student Loan Refinancing Program If you are a physician, attorney, dentist, or other advanced degree holder practicing in Central Iowa and are interested in refinancing your federal or private education loan debt, First National Bank offers a special student loan refinancing program for qualified individuals that may interest you. Learn more.
Digital Banking Services - Bank when and where you want
	Bill Pay (Mobile & Online) Bill Pay makes it easier to organize your bills and pay them when they're due. Online/mobile bill pay can save you time and help you avoid late fees. This is a free banking service. Learn more.
	FNB Mobile App Use your mobile device and the FNB Mobile App to check your account balance, deposit checks, view statements, pay bills, transfer money...wherever you are. The mobile app is a free download from your app store. Learn more.
	Mobile Check Deposit Mobile check deposit is a feature in the FNB Mobile app that uses the camera on your smartphone to deposit checks into your FNB deposit accounts. It's easy and FREE. Learn more.
	Money Management Take control of your finances with FNB's Money Management tool (part of our online and mobile banking service). Set goals, create a budget, track spending, determine your net worth, manage cash flow, and receive alerts. Learn more.
	Mobile (Digital) Wallet and Peer-to-Peer Payments (P2P) A mobile wallet is a digital way to store credit, debit, ID, and gift cards so that purchases can be made using a mobile smart device, rather than a physical card. FNB's credit and debit cards can be added to your favorite mobile wallet app. Peer-to-peer payments let you use your bank account or a credit or debit card to pay friends or family from your mobile device. Simply link your card(s) and use Apple Pay™ Cash or Google Pay™, or another P2P app of your choice. Learn more.
	Online Banking Online banking is a way for financial transactions to be conducted electronically via the internet through the FNB247.com website. Almost anything you can do at the bank, you can accomplish online (pay bills, transfer funds, deposit checks, view current and past transactions, view your monthly statement, and use the Money Management tool). Learn more.
	Online Bank Statements Online bank statements are electronic versions of your traditional paper statements, which are available to accountholders at no cost. They can eliminate the $4 per month paper statement fee that is assessed to certain types of checking accounts. Learn more.
	Purchase Rewards Purchase Rewards allows you to earn rewards using your FNB debit card to purchase merchandise and services. The discount and promotional offers through this program are available to view through Online Banking. Learn more.
	Push Notifications Push notifications are for FNB customers who have Apple or Android devices (phone or tablet) and the FNB Mobile App installed. Signing up for push notifications allows you to receive "push" notifications about your balance, recent transactions, confirmation of transfers, security alerts, and one-time passcodes for use with particular transactions. Learn more.
	Text Banking Text banking allows you to text the bank and receive your balance or account history or transfer funds. It's simple to use, secure, and FREE. Learn more.