Personal Checking Accounts

Basic Checking

The name says it all!  Our absolutely free checking account with no minimum balance and mailed or e-statements.  

  • Unlimited check writing
  • $100 minimum to open


Because you are a checking account customer with First National Bank of Waterloo, you have the opportunity to become a member of GenGold®.  As a GenGold® member, you are entitled to an exclusive program that allows you and your family to save money on products and services you use every day.

Live Better Locally For Less

Show your card and  enjoy special offers from local merchants! The complete listing can be found at after you enroll.  Click on "Local Participants."

Find out more or start your 60-day free trial by clicking here.

Apply Now





FNB EZsave

With FNB EZsave, you can grow your savings automatically!

When you enroll, we will round up all of your First National Bank of Waterloo debit card purchases to the nearest dollar amount, and transfer the difference from your checking account to your savings account each day.

Now you can grow your savings with every debit card purchase. Saving has never been EZier! Call or stop in soon to enroll and start saving!