First National Bank (UT) Has $200 Bonus For New Easy Checking Account


Deal Summary: $200 bonus when opening a new Easy Checking account online.

Availability: Residents of Utah.

First National Bank (FNB) is promoting a $200 checking bonus for opening a new Easy Checking account. The Easy Checking account is a non-interest bearing account, which has no monthly service charge. Following account opening, there is no minimum daily balance requirement.


  • Open a new Easy Checking account online with a minimum $50 deposit.
  • Have a recurring direct deposits (paycheck, pension, or Social Security) of $100 or more within 60 days of account opening.
  • Have at least five debit card transactions per month.


  • Not available to any current FNB checking account customers. FNB employees are also excluded from the offer.
  • Limited to one bonus per household.
  • If the requirements are met, the bonus will be credited within 90 days of account opening.
  • There is no end-date for the bonus stated on the promotion page.
For accounts closed within 180 days of opening, the amount of the bonus paid will be deducted from the account balance unless the accounts are closed prior to the bonus being paid, in which case the fee will be $10. Negative Balance Closing fee $25.

Happy Birthday, FNB

Next Monday marks the Bank’s 112th anniversary, and FNB is celebrating by offering a 12-month B-Day Promo CD (1.25% APY), now through May 31, 2017. The CD must be opened in-branch with a minimum opening deposit is $10k of new money; FNB funds “may be added to the deposit amount, up to $10,000 max.”

Early withdrawal of funds will result in a penalty or 180 days interest.


Headquartered in Layton (north of Salt Lake City), First National Bank offers a large portion of its product line online to all Utah residents who are U.S. citizens, 18 years and older.

Applying for the $200 cash bonus and opening a new Easy Checking account must be done online.

As noted above, the B-Day Promo CD must be opened at any of seven Utah branches, located in Bountiful, Clearfield, Draper, Layton (3), and Salt Lake City.

Bank Overview

First National Bank has an overall health grade of "A+" rating at, with a Texas Ratio of 2.95% (excellent) based on December 31, 2016 data. In the past year, the FNB has increased its total non-brokered deposits by $13.8 million, an excellent annual growth rate of 5.4%. Please refer to our financial overview of First National Bank (FDIC Certificate # 2260) for more details.

First National Bank became an integral part of Layton, Utah, when it opened for business in 1905 as The First National Bank of Layton. At that time, many citizens of Layton only had access to their banks through the mail, and having a brick-and-mortar bank in their town was simply wonderful. Over the next 111 years, the Bank grew to have seven branches, acquired the Second National Bank of Layton, and expanded its market area southward, eventually including the greater Salt Lake City metropolitan area.

Other Bank Promotions and Bonuses

Not eligible for First National Bank’s checking bonus? Check out my latest bank and credit union bonus blog posts to find other promotions. In addition, readers and I also post often on bonuses in the Bank Promotions Forum.

Related Pages: Salt Lake City checking accounts, checking accounts, 1-year CD rates, bank bonuses


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.