Personal Checking & Savings

First Choice Checking

First Choice Checking is our most popular account. By meeting three easy requirements, you can earn premium interest and receive up to $20 in ATM refunds per month.

Qualifications:

• 10 debit card transactions
• Receive eStatements
• One automatic payment or direct deposit

Your Reward:

• 1.50% APY* on first $15,000
• 0.20% APY* on balances greater than $15,000
• Receive up to $20/month in ATM refunds
• No minimum balance
• Minimum opening deposit is $20

* APY - annual percentage yield. Rate may change after the account is opened. Fees could reduce earnings. Deposit rate effective as of July 5, 2023.

Student First Checking

We’ve created a special account which has an understanding of the financial needs of high school, technical college or university students. By meeting two easy requirements, you can receive up to $10 in ATM refunds per month.

Qualifications:

• 5 debit card transactions
• Receive eStatements

Your Reward:

• No minimum balance required
• Receive up to $10/month cycle in ATM refunds
• Minimum opening deposit is $20
• Free Debit Card

Freedom Checking

No minimum balance, it doesn't get much better than that.  Get everything you need for daily money management. Packed full of complimentary features like Mobile and Online Banking, this account offers the convenience your life demands.

Account Details:

• No minimum balance required
• Minimum opening deposit is $20
• Free Check Order
• Free Debit Card
• Free Tablet and Mobile Banking
• Free Online Banking
• Online Bill Pay
• Overdraft Protection Options

Fortune 50 Checking

If you're someone who finds yourself maintaining a higher account balance, the Fortune 50 is for you. It's simple, more money in your FNBRF account earns you more interest! Keep a minimum $500.00 to avoid additional fees.

Account Details:

• $500.00 minimum balance
• Minimum opening deposit is $20
• Interest earning
• Free Check Order
• Free Debit Card
• Free Tablet and Mobile Banking
• Free Online Banking
• Online Bill Pay
• Overdraft Protection Options

Regular Savings

• Interest bearing 
• Opening deposit required 
• $200 minimum balance
• Maximum of 3 withdrawals per month

First Savings

• Interest bearing 
• For ages 0 - 24
• $10 opening deposit
• No minimum balance
• Maximum of 3 withdrawals per month 

Money Market Account

• $1,000 minimum balance
• Earns interest
• Unlimited in-person withdrawals

Personal Tiered Money Market Account

• $15,000 minimum balance
• Earns interest based on tiers
• Unlimited in-person withdrawals

Certificate of Deposit (CD)

Our certificate of deposits offer competitive rates, convenient automatic renewal options and can range from 1 month to a 5 year term.

View our current rates.

Individual Retirement Accounts (IRA)

Opening an IRA provides you with one of the best opportunities to invest in your future. Benefits of an Individual Retirement Account (IRA) are tax advantages, simple contributions and rollover options.

For more information, please visit the Internal Revenue Service (IRS) website, or see a banker today to open an account.

First National Bank of River Falls offers a tax advantage medical savings account, known as an HSA, to taxpayers who are enrolled in a high deductible health plan (HDHP). If you are eligible, benefits may include tax-free deposits, investment earnings and withdrawals used for medical expenses. FNBRF HSA accounts provide tiered interest rates, a free debit card for convenient access, no monthly fee, your first order of checks free, and online or mobile access to your transactions and statements. For more details from the US Treasury website, please click here.