Personal Checking Accounts

Value Checking

If you're looking to take advantage of other bank benefits, but don't want to pay a fee...this could be the perfect account for you!

Banking Benefits:

  • No minimum balance
  • One box of "Value" checks free per year
  • 25% discount on annual safe deposit box fee
  • Waived ATM fees up to $5 per statement cycle
  • $100 minimum to open
  • Unlimited check writing
  • Low monthly fee of $5, waived if criteria is met*



Plus, these features come free on any of our checking accounts:

  • Free Online Banking with BillPay
  • Free FNB ATMs
  • Free Dial-A-Bank 24-hour banking
  • Free overdraft protection (if qualified)
  • Free MasterMoney debit/ATM card with Rewards!
  • Free Mobile Banking
  • Free FNB EZsave

*Value Checking monthly fee will be waived if all of the following criteria are met each statement cycle...

  • E-statement
  • 10 debit card purchase transactions
  • EITHER 3 Billpay OR 1 Direct Deposit


  • $10,000 in other deposits or $25,000 in loan balances at First National Bank of Waterloo



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!