Personal Checking Accounts

Check Plus Account

Our Check Plus checking account has all of the banking and lifestyle benefits you could ever need.  Going away to school?  Work in St. Louis?  Get free ATMs wherever you go.  Protect your most precious keepsakes and valuables in a fire resistant safe deposit box at a discounted price.  Earn a competitive rate of interest on your checking account balance.  Save money like never before.

Banking Benefits:

  • No minimum balance
  • Interest bearing*
  • Free personalized club checks
  • 50% discount on annual safe deposit box fee
  • Waived ATM fees up to $10 each statement cycle
  • Bonus on CDs and savings
  • Discount on personal loans
  • Free official checks
  • $25 minimum to open
  • Unlimited check writing
  • Low monthly membership of $7




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

 *Click here to view our current rates.

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!