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First National Bank of Waseca


LifeSimple Checking

This account helps keep life simple by providing you with more flexibility including no minimum balance requirement. LifeSimple Checking features include:

With our convenient Switch Kit, moving your account to First National Bank is convenient and easy.

LifePerks Checking

Our premier account, LifePerks, is more than just a checking account. It has extra "perks" offered exclusively to our VIP customers. LifePerks Checking features include:

  • Tiered interest rates
  • Free First National Bank wallet logo checks ($15 value)
  • Free Debit Card or Bluejay/Panther Debit Card upon approval
  • Free debit or ATM card replacement ($10 value)
  • Free sweep transfers ($2 per month value)
  • Free notary service
  • 50% off 3 x 5 safe deposit box (up to $12.50 value)
  • Local business discounts
  • Free LifeTimes newsletter
  • Special trip offers
  • Special rates
  • Drawings and giveaways
  • Free local entertainment events
  • Free digital banking
  • Free MyBank Anywhere
  • Free Bill Pay
  • And more!
For additional information click here or contact the LifePerks Coordinator at 507-835-2740.

Health Checking

Paired with a High Deductible Health Plan (HDHP), a Health Checking Account (HSA) provides medical coverage along with a tax free solution to save for future medical expenses. 

A Health Checking Account helps cover, pay for, or reimburse an individual for typical medical expenses such as prescriptions and office visits. Money can be saved in a tax-deferred Health Checking Account to be used for future qualified medial expenses, which are tax free! Other benefits of a Health Checking Account include tax-deductible contributions, tax-free withdrawals for qualified medical expenses and tax-deferred interest earnings. Health Checking Accounts don’t require you to use or spend your saved money by the end of the year. Your funds simply roll over and become available for use the following year.

Contact any of First National Bank’s knowledgeable Personal Bankers to find out how you can start saving today!

Inactive Checking Accounts - A checking account is considered inactive if there has been no activity in the account for a period of 12 months. Any inactive checking account with a ledger balance below $1,000.00 will be assessed an inactivity fee of $5.00 per statement cycle.

Overdraft Protection

Overdraft Protection provides a revolving line of credit available through your checking account that enables you to write yourself a loan or protect your account from an overdraft. Once approved you are able to request a loan under this plan whenever you draw your transaction account below a zero balance. You can draw against your account and obtain a loan by the following methods:

  • Write a check
  • Make a purchase or withdrawal using your debit card
  • Authorize us to make a payment to another person

In-House Check Printing

First National Bank offers personal and business in-house check printing with fast turnaround and low direct prices. Pick up your checks at any of our locations within 1-2 business days or have them shipped for a nominal fee.

Basic Styles

Plum Check
Marble (also available in blue and green)

Tan Check
Tan Parchment 

Grey Check

Premium Styles

Flag check

Daisy Check

Wildlife check
Wildlife (includes four different designs)
A jar of coins with a plant growing out of it

CD Special

We offer various rates and flexible terms on our Certificates of Deposit to fit any need.
View Certificate of Deposit

About First National Bank

We make connections and build relationships with customers by providing strong financial knowledge and guidance. 
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