Personal Checking Accounts

We offer a variety of products to meet our customers’ needs. We believe there is a checking account at First National Bank of Waterloo that works for everyone!

If you’re with another institution, switch your Accounts to First National Bank of Waterloo anytime. It’s quick and easy with our Switch Kit. If you would like more information, or would like to open an account in person, just stop by one of our convenient locations.

You can also reorder checks anytime using using our secure Check Reorder Form.

 

Round up and Save with EZsave

With FNB EZsave, you can grow your savings without even trying!

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!

 

Click here to view our current rates.

 

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

E-Free Account

The name says it all! This electronic account has no monthly fee and is totally convenient!

Mailed statements are available for $3.00 per month.

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

  • Unlimited check writing
  • $25 minimum to open
  • 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
Open An Account

FNB Classic 55 Club

Are you age 55 or better?

Take advantage of this special package of financial benefits and social activities.

Earn interest on your checking, get free club checks and pack your bags for any of the various trips and social events planned each year; exclusively for Classic 55 Club members.

  • Interest bearing checking
  • No monthly service charge with a $100 daily minimum balance
  • $5 service charge if balance falls below $100 daily minimum balance
  • Free personalized club checks (or 50% off other styles)
  • Free MasterMoney check/ATM card with Rewards!
  • $100 minimum to open
  • Unlimited check writing
  • Bi-Monthly Newsletter
  • $10 discount on safe deposit box rental
  • Discount rate on personal and installment loans
  • Free Official Checks
  • Free notary service
  • Fun group trips and outings
  • Social events and educational seminars
Open An Account

Connections Account

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!

*Waived if Connections criteria is met each statement cycle…

$10,000 in deposits, $25,000 in loans, or $15,000 in deposits and loans combined at First National Bank of Waterloo

Banking Benefits:

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

Check Plus Account

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
Open An Account

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