Overall bank rating
The bottom line:
Little distinguishes First National Bank from other banks, and that’s both good and bad. Its fees aren’t particularly high, but neither are its savings rates. Its online banking platform has all the basics but little else. Its service area is also on the small side, including branches in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota and Texas.
Best if: You live near one of its branches and just want somewhere to park your money.
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No monthly fees on basic checking and savings accounts.
No minimum opening deposits for basic checking and savings accounts.
Doesn’t charge for overdrafts of $20 or less (or if the overdrawing transaction was $20 or less).
Lower savings and CD rates than those at many online banks.
Relatively small service area.
NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.