1st National Bank of Muscatine


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Action Now.

Good people.  Good planet.  Good choices.




Why is E-NOW Checking right for me?

The account is designed to handsomely reward you for reducing your

carbon footprint.


Tell me how I "reduce my carbon footprint"?

Alleviating stress on the environment is done one step at a time.  With this account, you receive free online bill payment, a no annual fee debit card, and e-statements.  So you eliminate the use of natural resources ... saving paper and energy.


Is signing up for e-statements easy?

Absolutely.  Once you access your account information within Internet Banking at www.fnbmusc.com, all you need to do is click on Customer Service, Account Maintenance, and then Change Statement Delivery Method.  And good-bye paper statements!


How do I know when a new statement is available for viewing on-line?

Simple.  Once you sign up for e-statements, you will be notified each month via email that your statement is ready for viewing.


Does it affect my statement cycle when I switch my current checking to an E-NOW?

When you switch to the E-NOW account, your statement will end on the last day of each month. 


How am I rewarded?

The interest rate rocks!  You receive the special E-NOW interest rate on your account balances up to $25,000 when you have 15 VISA check card signature-based transactions during the statement cycle.  Check out our rate sheet for the current rates.


For balances over $25,000, you continue to earn interest, just at a lower level.  Your statement will show a blended APY between the first $25,000 calculated at the E-NOW rate and the excess balance calculated at the lower level APY. 


What if I don't get 15 signature-based check card transactions one month?

No problem.  You will still earn interest, just at a lower APY during the following statement cycle.  Of course you will continue to receive all the other benefits of this account.


The check card transactions sound like a lot of work.

15 signature-based check card transactions in a statement cycle is a lay-up ... for instance, gas in 2 vehicles once a week, and you are already at over 1/2 of your required transactions by the end of a statement cycle. 


When I am looking on-line at my account, how do I tell if my check card transaction was signature based?

We've made it easy for you.  Signature-based transactions will appear on-line with asterisks as follows:



I am sold.  How do I sign up for E-NOW?

If you have a current checking account with us, just give us a call or stop in.  A few minutes is all that it will take.  If you are new to our Bank, stop in and we will help you become a First National Bank believer.


E-Now exclusively at First National Bank of Muscatine.



Member FDIC.  APY = Annual Percentage Yield.  APY's quoted may change after account opening.  A valid email address and electronic statements are required to obtain this account.





300 E. 2nd St. | Muscatine, IA 52761 | ph 563-263-4221 | fax 563-262-4213

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