Premier Rewards Checking
3.26%*

You work hard for your money. At First National Bank, we think your money should work hard, too. We’re excited to offer 3.26%* for our Premier Rewards Accounts on balances up to $20,000.

How to Get Started


1Fill out the form on this page or give us a call to begin the account opening process.

2In most cases you will hear back from us within the hour.

3We'll set up a meeting with a Personal Banker and finalize your account opening.

4Earn 3.26%* on balances up to $20,000!


Checking Rewards are Back


The days of checking rewards are back, and now they’re better than ever. You deserve rewards for saving, and you deserve your money to work for you.

*APY = Annual Percentage Yield. Rate is variable and may change after account is open. Effective as of April 11, 2018. Eligibility or rewards based on meeting account qualifications as outlined: Must receive e-statements; Must have a minimum of 12 debit card transactions (excludes ATM withdrawals) with a minimum of $5.00 per transaction; Must maintain a minimum of $2,000.00 daily balance and one automatic ACH deposit/withdrawal of $100.00 or more. If the daily balance is $2,000.00-$20,000.00, the interest rate paid on that portion of the balance will be 3.21% and APY of 3.26%. If the daily balance is $20,000.01 or more, the interest rate paid on that portion of the balance will be 0.1% with an APY of 0.1%. ATM fees up to $10.00 per month from non-FNB ATMs will be refunded to your account if the qualifications are met. If qualifications are not met, the interest rate will be 0.01% (0.01% APY) on entire balance and ATM fees will not be credited to your account. Fees may reduce earnings. Available on personal accounts only and one account per individual.

With Premier Rewards Checking you will also receive:

  • All the benefits of our FREE Checking Account
  • Be reimbursed for non-First National Bank ATM transactions up to $10.00
  • Imaged Statements Available ($3 charge)

To Qualify for Your Premier Rewards, you must: 

  • The account is enrolled in e-statements with a valid email address.
  • At minimum of 12 signature or PIN based debit card transactions with a $5 minimum purchase posted during the statement cycle (excludes ATM transactions).
  • One ACH deposit/withdrawal of $100. or more posted to the account during the statement cycle.
  • Maintain daily balance of $2,000. or more during statement cycle.
  • Balance $2,000. to $20,000. Rate of 3.21% (3.26% APY)
  • Balance of $20,000.01 or more Rate of 0.1% (0.1% APY)

If qualifications are not met, the interest rate will be 0.01% (0.01% APY) on entire balance and ATM fees will not be credited to your account.

Limit one account per individual, available on personal accounts only.

Annual Percentage Yield effective as of April 11, 2018. Fees may reduce earnings.

#Variable Rate Account, rates may change after account is open.

  • Accounts and rates offered through First National Bank are available in our service area of Bremer, Black Hawk and surrounding counties in Iowa. When meeting with a Personal Banker to finalize your account opening, we will need to have a copy of primary ID, either a Drivers License or a Passport and VISA. We will also need a copy of a secondary ID: either a social security card, Medicare card, Photo ID, car registration, Utility Bill, etc. If the address on your driver’s license differs from that of your current address, also bring with you a current bill that was mailed to you for proof of address. (City Bill, Car Registration, Cell Phone Bill, etc.).