Relationship Checking

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Start earning cash back or interest rewards for the way you already bank with our new relationship checking accounts. Opening an account is easy, then sit back and watch the rewards roll in. It's just another reason you can Count on Us!

We make it simple to open a new account.

Compare the three accounts below and click Open by the account that is right for you.

Simple Cash Back

A simple, worry-free account that rewards debit card usage.

No minimum balance
No monthly service fee
Free online statements
Earn $0.10 Cash Back with each Boone Bank & Trust Co. debit card purchase (up to $5 per statement cycle, per account).

It's just that simple. There are no monthly fees on this account. Paper statements are available for $3 per month.

Open a Simple Cash Bank Account

Interest Rewards

An interest-bearing account that pays a higher interest rate for banking electronically.

No minimum balance
No monthly service fee
Free online statements
Higher interest rates on balances up to $15,000 during each statement cycle when you meet the following electronic banking criteria:
- One direct deposit OR one automatic withdrawal; AND
- 25 debit card purchases

If electronic banking criteria is not met, balances will earn at the Interest Rewards Base Rate. Balances above $15,000 will earn at the Interest Rewards Market rate. Paper statements are available for $3 per month.

Current interest rates are available here.

Open an Interest Rewards Account

Premier

A traditional interest-bearing account with tiered interest rates based on balance. This account also offers additional banking perks.

Minimum balance of $2,500 or an Average Daily Balance of $5,000
Discounted checks
Free online or paper statements
Tiered interest rates on all balances (current interest rates available here)

There are no fees as long as the minimum balance is met. If the balance falls below $2,500 anytime during the statement cycle or does not have $5,000 average daily balance, a $10 maintenance fee will be assessed. A $10 check discount per order on Specialty Grey style.

Open a Premier Account

Relationship Perks

Enjoy more benefits when you have a Relationship Checking account AND qualifying deposits greater than $50,000.

The primary owner on each Relationship Checking account will receive additional Relationship Perks when combined balances on accounts they own (Checking, Savings, CD's, IRA's, and HSA's) is $50,000.00 or more.

Minimum balance Maintenance Fee waived for Premier Checking account
2 free standard orders of wallet or duplicate checks (Specialty Grey Style) per relationship, per year
Free Cashier's Checks
Free 3x5 Safe Deposit Box or equivalent credit given towards a larger size box (must have automatic payment)
ATM surcharge refund (up to $20 per statement cycle)
No fee for foreign currency

Frequently Asked Questions

- What documents and information do I need to open an account?
- What Do You Need to Open a Relationship Checking Account?
  
  You can apply online if you're 18 years or older and a legal U.S. resident.
  
  Here's a list of what you'll need to apply.
  - Two forms of government-issued ID. At least one of the IDs must be a photo ID. Acceptable forms of ID include: A driver's license, REAL ID card, DoD ID card (also known as Department of Defense ID Card), Passport, Social Security card, Birth Certificate [Nondrivers can get a state ID card at the Iowa Department of Transportation.]
  - Your current residential address.
  - Your birth date.
  - Your Social Security number or Taxpayer Identification number.
  - Your phone number and email address.
  - A minimum opening deposit of $25 to activate your account (once you've been approved). All three Relationship Checking accounts have a minimum deposit requirement to open.
  Depending on your circumstances, you might need a few other items, too:
  - If you're opening a joint account, you will need to provide documentation to confirm the identity of each person listed as an account holder and a signature from each of them.
  - If you're under 18 years old, you will need a parent or guardian over 18 to open the account with you.
  If you are wanting to open a checking account and need help, you can talk to a Customer Service Representative by calling 515-432-6200 or stop by either of our branch locations.
- Do the Relationship Checking accounts come with Bill Pay?
- Online bill pay is a service offered with all of the Relationship Checking accounts. This service helps customers pay their bills quickly and seamlessly. With online bill pay, you can have money sent directly from your bank account to those you owe with a click of a button. You can use online bill pay to pay a number of bills - rent, mortgage, cable, phone, utilities, and credit cards --- all from a single dashboard.
- Do you offer online and mobile banking with Relationship Checking accounts?
- Wherever you are, we've got your covered with online and mobile banking. Both online and mobile banking services are available to use with your Relationship Checking account.
  
  Online banking refers to any bank transaction that can be conducted over the Internet, through the bank's secure website under a user's unique private profile, and with a desktop or laptop computer. Checking account holders must register with First National Bank online and create a login ID and password to use this service.
  
  Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. Mobile banking allows you to access your account through an app downloadable to your smartphone.