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Earn 1.55% APY* — plus ATM withdrawal fee refunds — just for banking here in Otter Tail County.*



Key Features

  • Really High Interest
  • ATM Withdrawal Fee Refunds*
  • Debit Card
  • Digital Banking
  • Free checking that pays really high interest
    • 1.55% APY* on balances up to $35,000
    • 0.25% APY on balances over $35,000 depending on balance in account*
    • 0.10% APY* if qualifications are not met
  • Unlimited refunds on ATM withdrawal fees, nationwide (up to $4.99 per transaction)*
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free digital banking
  • Free Visa® EMV debit card
  • Unlimited check writing
  • $100 minimum deposit to open

Bank Your Way to Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your FNB Cash Checking account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

Simple. If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning big interest and nationwide ATM withdrawal fee refunds the very next month.

Samantha Bottko

Samantha Bottko

Customer Service Specialist

Email Samantha
Main Office: Battle Lake
Joined FNB in 2014

Heidi Hansen

Heidi Hansen

Customer Service Specialist

Email Heidi
Main Office: Henning
Joined FNB in 2016

Becky Geyer

Becky Geyer

Customer Service

Email Becky
Main Office: Ottertail
Joined FNB in 2020

*APY=Annual Percentage Yield. APYs accurate as of 11/11/2021. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $4.99 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.55%; and (3) balances over $35,000 earn 0.25% interest rate on portion of balance over $35,000. If qualifications are not met, all balances earn 0.10% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one FNB Rewards checking account per SSN.

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