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Personal Accounts

First National Bank of River Falls offers competitive accounts that allow you to bank Anytime, Anywhere! All of our checking accounts offer Online, Mobile, and Tablet Banking, Mobile Deposit, eStatements, Debit Card, Bill Pay and PopMoney. Take a look! 

New customers click here to open a NEW checking or savings account

*If you have an account with FNBRF, with online banking, log into your online banking account to apply for an additional account.

Featured 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. 


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

Your Reward:

  • 2.01% 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 August 20, 2018.

Student First Checking

With an office located in the heart of the UWRF campus, at the University Center, FNBRF has a special understanding of the financial needs of students. We've created a special account just for students going into high school, technical college or a University. By meeting two easy requirements, you can receive up to $10 in ATM refunds per month.


  • 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

Click here for a full listing of our checking account options 


FNBRF 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


Our certificates of deposit offer competitive rates, convenient automatic renewal options and can range from 1 month to 5 year term. Click here for 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 that are used for medical expenses. FNBRF HSA accounts provide tiered interest rates, a free check 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.

River Falls Relationship Bankers

Bridget Schaefer 
Rebecca Helgeson 
NMLS #1872213

UWRF & River Falls Retail Bankers


Tami Miller 
Lizzy Nelson

Anna Swanson

Prescott Relationship Bankers

Gale Gaard
NMLS # 663483
Tom McQuaid
Donna Most
Chad Steger
NMLS #1396916

Dianne Paje

Easy Access to Your Funds

Keep track of your business accounts when and where it's convenient for you.

Online Banking Features

Let's Create Your New Home

Anything is possible with a Home Equity Line of Credit.

View HELOC Details