Personal Checking Accounts

Value Plus Checking - GenGold

Value Plus Checking 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 "Value" 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
  • $100 minimum to open
  • Unlimited check writing
  • Low monthly membership of $7

Lifestyle Benefits with 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.  Your membership in GenGold® will reap rewards quickly, as you begin to save money on purchases for travel, groceries, restaurants, movies, prescriptions and much more.


Live Better Locally For Less

Show your card and enjoy  special offers from local merchants! We are always adding more offers, for a complete listing go to  Click on "Local Participants."

Click here for more information or to activate your membership.


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!