Our Services

Instant Cash and Check Cards

One card that does it all! Instant Cash and Check Cards replace your checkbook and your cash card – it even eliminates the need to carry a lot of cash. You’ll save time and trouble when you use the Instant Cash and Check Card for everything from gas to groceries, restaurants to retailers.

When you make a purchase with your Instant Cash and Check Card, the amount is automatically deducted from your checking account – it’s cash, not credit. Record keeping is easier too. When you make a purchase or ATM transaction with the card, you’ll receive a receipt. All the details will be listed on your monthly statement.

Paying With A Instant Cash and Check Card Is Easy!

When paying with your Instant Cash and Check Card, simply follow these easy steps:

  • Look for the VISA logo. Any merchant displaying the VISA logo will accept your card.
  • When using an electronic terminal, select the “CREDIT” button.
  • Sign your sales receipt. The transaction amount will be deducted from your checking account.

Use It To Get Cash At ATMs

Need cash in a hurry? The Instant Cash and Check Card gives you access to your accounts anytime,
24 hours a day, seven days a week.

“The bank is always open” with an Instant Cash and Check Card. You can make withdrawals, deposits, transfer funds, and check your balance, all at your convenience.* The Instant Cash and Check Card is easy to use and works at over 500,000 ATMs worldwide. To use your card, enter your Personal Identification Number (PIN) and follow the instructions on the screen. Our Network includes First National Bank ATM locations and most Instant Cash brand machines at other financial institutions. Use of an ATM outside of this network may result in a transaction fee from us and/or a surcharge from other machine owners.

For lost or stolen Instant Cash and Check cards, please contact us at 218-749-3190. After hours, please contact Instant Cash stolen card support at (800) 535-8440 or (612) 316-1484.

Mountain Iron, MN

8355 Unity Drive - PO Box 382 - Mountain Iron, MN 55768
Phone: (218) 749-3190 - Fax: (218) 749-3195

Buhl, MN

702 Seville Ave. - PO Box 706 - Buhl, MN 55713
Phone: (218) 258-3213 - Fax: (218) 258-4310

Children’s Online Privacy Protection Act (COPPA)
We do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents. We request that such individuals do not provide personal information through the services. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website


FDICEqual Housing Lender

Privacy Notice

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information here or we will mail you a free copy upon request if you call us at 218-749-3190.

Update to Regulation CC Thresholds

Starting July 1st 2020, inflation adjustments will impact the thresholds to “Regulation CC” as following:

  • $200 is changing to $225 (Note: the $200 amount is still referred to $100 in Reg CC). This amount is used on case-by-case holds and will impact most financial institutions.
  • $5,000 is changing to $5,525. This amount is used on certain special exception holds, such as large deposit holds, new account holds, and repeatedly overdrawn holds. This change will also impact most financial institutions.

Lost or Stolen ATM Card?

For lost or stolen Instant Cash and Check cards, please contact us at 218-749-3190.

After hours, please contact Instant Cash stolen card support at 800-535-8440 or 612-316-1484.