Our Services


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For additional information on the following services, contact us.

  • FREE Instant Cash & Check (Debit) Card (subject to qualification).
  • FREE ATM transactions at First National Bank and many Instant Cash locations.
  • FREE Internet Banking.
  • Optional Overdraft Protection on Checking Products (subject to qualification).
  • Interest Bearing Deposit Accounts (subject to account plan) Contact us for current rates and annual percentage yields.
  • FREE combined monthly statements for your deposit accounts.
  • Wire Transfers.
  • Payroll Direct Deposit.
  • Safe Deposit Boxes (subject to availability).
  • Visa, MasterCard and Discover Credit Card Cash Advance Requests.
  • Personal Money Orders and Cashier’s Checks.
  • Gift & TravelMoney Cards.
  • Reorder checks online at www.deluxe.com.
    For security reasons, you can not change account information, such as mailing address, when ordering online.

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.