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 our secure Check Reorder Form.
Click here to view our current rates.
These features come free on any of our checking accounts:
- Free Online Banking with BillPay and mobile deposit
- MoneyPass Network – check locations
- Free FNB ATMs
- Free Dial-A-Bank 24-hour banking
- Free MasterMoney Debit/ATM card
- Free Debit Card Rewards – learn more here
- Free Manage My Card
- Free Digital Wallet
- Free Mobile Banking
- Free FNB EZsave
Other features:
- Safe Deposit Boxes
- Credit Cards
- Offical Checks
- Overdraft Protection and overdraft advantage
- Cash Reserve Accounts
- Zelle
E-Free Account
The name says it all! This electronic account has no monthly service charge and is totally convenient.
Mailed paper statements are available for $3.00 per month.
Banking Benefits:
- $25.00 minimum to open; No minimum daily balance required
- Unlimited Check Writing
- Free Electronic Statements
- Plus all of the other great features listed above!
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
- $25.00 minimum to open
- Unlimited check writing
- Low monthly fee of $5.00, waived if criteria is met*
- Free Official Checks
Check Plus Account
Our Check Plus checking account has all of the banking and lifestyle benefits you could ever need. Protect your most precious valuables in a fire resistant safe deposit box at a discounted rate. Earn a competitive rate of interest on your checking account balance. Save money like never before.
Banking Benefits:
- $25.00 minimum to open; No minimum daily balance required
- Interest bearing
- Free personalized club checks
- 50% discount on annual safe deposit box fee
- Bonus on CDs and savings
- Free official checks
- Unlimited check writing
- Low monthly membership of $7.00
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 $100.00 daily minimum balance
- $5.00 service charge if balance falls below $100.00 daily minimum balance
- Free personalized club checks (or 50% off other styles)
- $100.00 minimum to open
- Unlimited check writing
- Bi-Monthly Newsletter
- $10.00 discount on safe deposit box rental
- Free Official Checks
- Free notary service
- Fun group trips and outings
- Social events and educational seminars
