Personal Checking & Savings

First National Bank of River Falls offers flexible and convenient personal checking & savings accounts with access to 24/7 mobile and online banking, debit cards, bill pay and more.

Checking Accounts

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 $100

* APY - annual percentage yield. Rate may change after the account is opened. Fees could reduce earnings. Deposit rate effective as of March 12, 2021.

Student First Checking

We’ve created a special account which has a special understanding of the financial needs of students. We've created a special account just for 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
  • PopMoney 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 $100
  • 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 $1,500 or total $10,000 account relationship monies with FNBRF to avoid additional fees.

Account Details:

  • $1,500 minimum balance
  • Minimum opening deposit is $100
  • Interest earning
  • Free Check Order
  • Free Debit Card
  • Free Tablet and Mobile Banking
  • Free Online Banking
  • Online Bill Pay
  • Overdraft Protection Options
Savings Accounts

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 Accounts

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
CDs / IRAs

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

View our current rates. 

HSA - Health Savings Accounts

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.

Meet Our Bankers

Kim Nesbitt

Retail Banking Officer

River Falls Office
Kim Nesbitt
Retail Banking Officer
Office: River Falls Office

Bridget Schaefer

Relationship Banking Officer


River Falls Office
Bridget Schaefer

Relationship Banking Officer

Office: River Falls Office

Rebecca Helgeson

Relationship Banker & Consumer Lender

River Falls Office
NMLS# 1872213
Rebecca Helgeson
Relationship Banker & Consumer Lender
Office: River Falls Office
NMLS#: 1872213

Tami Miller

Retail Banker


River Falls & UWRF Office
Tami Miller

Retail Banker

Office: River Falls & UWRF Office

Anna Swanson

Retail Banker


River Falls & UWRF Office
Anna Swanson

Retail Banker

Office: River Falls & UWRF Office

Lizzy Nelson

Retail Banker


River Falls & UWRF Office
Lizzy Nelson

Retail Banker

Office: River Falls & UWRF Office

Gale Reams

Relationship Banker & Consumer Lender

Prescott Office
NMLS# 663483
Gale Reams
Relationship Banker & Consumer Lender
Office: Prescott Office
NMLS#: 663483

Tom McQuaid

Retail Banker


Prescott Office
Tom McQuaid

Retail Banker

Office: Prescott Office

Donna Most

Relationship Banker


Prescott Office
Donna Most

Relationship Banker

Office: Prescott Office