Simplify your banking
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We want to simplify banking for you. Our financial tools are built to work together in a way that makes banking easier, more transparent and more rewarding. Our services help you make smart financial decisions to meet your goals, big and small. Are you taking advantage of all the banking conveniences First National Bank has to offer? Start today! Click on the links to check out our services or contact a Personal Banker at service@FNBames.com or call 515-232-5561 in Ames or 515-965-3969 in Ankeny to learn more.

Free checking - Experience the ease of banking with our basic Free Checking account. There is no minimum balance, no monthly fee and unlimited check writing, ATM withdrawals and account debits.

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Checking with interest - Earn interest* on your money with this account, while receiving the same benefits of a free checking account - unlimited check writing, ATM withdrawals and account debits at no charge. $500 minimum balance or $1,000 average monthly balance required to avoid fees. *interest accrued daily on balances of $500+

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Premier checking - Have it all with our Premier Checking account. Enjoy higher debit card limits, preferred rates on checks, CDs and new customer loans along with no annual fee for your ATM or Debit Card and more! $2,500 minimum balance or $5,000 average monthly balance required.

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Savings - Begin building financial security for any situation with a standard savings account. Your money will be earning interest while you enjoy peace of mind.

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Money market - Are you looking for an option different from a regular savings account? Maintain a minimum $1,000 balance and earn monthly compounded interest with competitive market interest rates. You can also enjoy unlimited cash withdrawals and in-bank transfers, as well as a check writing option.

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Direct deposit - Have your paychecks deposited into your account automatically with Direct Deposit.

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Automatic withdrawal - Make paying your bills easier with this simple and convenient alternative to writing checks. Payments will be automatically deducted from your FNB checking account. Contact the business for a form or ask us for details.

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Safe deposit box - Protect your most valuable possessions from loss, theft or accidental destruction with a safe deposit box from First National Bank. We also provide you with private rooms while you remove or add to the contents of your safe deposit box.

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Power banking - Make saving automatic! Power Banking helps you put your money where you want, when you want.

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Automatic balance transfer - Your savings account or money market can provide protection for your checking account with automatic balance transfers. Save yourself from maintenance and overdraft fees!

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ID TheftSmart - ID TheftSmartTM is your answer in the event your identity is ever compromised. Investigators will work on your behalf to protect, restore and preserve your identity. Not only will you receive full service identity restoration from a licensed experienced investigator should you become a victim, but you will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize.

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Debit card - Simple to use and completely safe, our ATM and debit cards are perfect for everyday expenses and easy transactions. FNB Debit Cards are accepted at any ATM that displays the Cirrus or Shazam logo worldwide. Additionally, there is no ATM charge at FNB or Privileged Status ATMs and no monthly or annual fees.

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Privileged status ATM network - Enjoy no ATM fees when you use your card at a Privileged Status ATM.

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Online banking - Total control of your First National Bank accounts is always available at your fingertips, thanks to our easy-to-use Online Banking service. With Online Banking, you can access your accounts 24 hours a day, seven days a week from your home or office.

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Mobile banking - Get your account information anytime, anywhere with Mobile and Text Banking from First National Bank, Ames/Ankeny. We offer the "Triple Play" - Mobile Website, Text Banking and iPhone and Android apps. Mobile Banking allows you to do more banking on the go. It's simple to use, secure and FREE*!

*There is no fee for Mobile Banking from First National Bank. Your mobile carrier's text messaging and web access charges may apply.

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Touch tone teller - Check your balance, transfer money, even advance funds from your home equity line of credit - all at your fingertips! Our Touch Tone Teller service is simple to use - all you need is your account number, your Social Security Number, and a touch tone phone.

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Checks - Order checks online now!

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Online bill pay - Pay anyone you would normally pay by check - even the babysitter - at your convenience, at your computer. Your payments are sent with the simple click of the mouse. No checks, no envelopes, no stamps, no hassles, no fees!

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Online statements - Would you like less mail and easy access to your account statements? Your statement can be immediately available to you through Online Banking.

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FinanceWorks - What if your online banking could do your budgeting for you? Just set it up FinanceWorks the way you want, and it will do the rest.

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TurboTax - We want to help you keep more of your hard-earned money and get back every penny you deserve. That's why we offer TurboTax right inside your FNB online banking account.

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Purchase rewards - At First National Bank, we understand everyone wants to save money; we make it easier by allowing your favorite shops and restaurants to give you cash back! All you have to do is shop with your FNB debit card.

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What Banking Should Be.