Current Promotions

Here's a summary of the current offers in place at First National Bank.
There may be other offers available, so please, talk to your First National Banker 
today for the most up-to-date offers and details on any of our offerings.

Simply Free Checking... And, A Free Gift!

Open any Simply Free Checking Account and get a FREE Thank You gift. For businesses too.  See below for the current gift.

Refer-A-Friend, Get A Free Gift!

For every referral you make that results in a new account, you'll earn your choice of the current FREE thank you gift or a $10 Amazon gift card.
It's easy. Use our Online Referral Tool now.

Vehicle Loan Special... Up to $400 Toward Your First Payment!


Get up to $400 toward your first payment when you finance or refinance your vehicle loan at First National Bank! 

  • Love your car? Great! Keep it. And, let us refinance it!
  • Not so in love with your car? Find a new one or maybe just one that’s new to you. Then, let First National finance it for you.

Either way, you get up to $400 toward your first payment!

Refinanced loan must be from another institution. APR=Annual Percentage Rate. Refinance bonus subject to 1099 reporting. All customary credit qualifications and criteria apply. Limit one bonus offer per household. Minimum loan amount $10,000. Minimum term 36 months. Early termination fee equal to bonus amount if terminated within first half of loan term. Offer starts October 1, 2020 and ends November 30, 2020. OFFER EXTENDED THROUGH April 30, 2021! 

Simple, No-nonsense, Home Equity Loans
Plus, a FREE $100 Home Depot Gift Card

Put the value of your home’s equity to work with a Home Equity Loan from First National Bank

It’s simple, a home equity loan is a smart way to finance all of life’s big expenses such as home improvements, tuition and more. At First National, we provide a HELOC that you can draw upon over time or try a closed-end Home Equity for a specified amount and term.

Why wait for what you need when you can use your home’s value to get it now with a Home Equity Loan from First National Bank!

Plus, get a free $100 Home Depot Gift Card for a new home equity loan of $50,000 or more.

HELOC=Home Equity Line of Credit. Available on primary residence only. Rate and draw period determined by credit qualifications. Adjustable rate based on prime +/- a margin, with a minimum of 3% and a maximum of 21%. Property and hazard insurance required. Annual fee of up to $50 applies. Processing fee of $250 for loans less than $250,000. Minimum loan amount is $10,000. Loans closed within first three years require payback of prepaid fees including cost of promotional gift card. Making only the minimum payment on your HELOC will result in a balloon payment at maturity. Free gift card offer valid on Home Equity applications started from October 15, 2020 to November 30,2020 that are processed and closed by December 31, 2020. OFFER EXTENDED THROUGH April 30, 2021! Gift card provided within 14 days of loan closing. First National Bank in Howell is not affiliated with The Home Depot®. The Home Depot is not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC. 

Cash for Your Unused Checks and Debit Cards!

When you open a new Simply Free Checking Account, we'll buy back your unused checks and debit cards, up to $10. Businesses too!