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First National Bank of Coleraine
First National Bank of Coleraine

Personal Banking

Mortgage Financing

Owning your own home. That’s what the American dream is all about! If you’re ready to take this important step, why not start out right…with a visit to us. We’ll help you cut through the maze of “mortgage talk” so you can make the best possible purchasing decisions.

Our friendly and experienced professionals can help you select the right type of mortgage for your particular needs. And, perhaps most importantly, your mortgage will be handled on a personal basis…by people you know and trust.

We take the time to work with you – whether you’re shopping for your first home, moving to a larger home, or considering a retirement residence. We’ll answer any questions you have and discuss the many options available to you. Because finding the right mortgage is essential, you’ll discover that we offer a wide variety of loan packages tailored to your individual situation.

When you’re ready to make this major investment, remember that we have the flexible loan plans you need – at rates you can afford!

Home Equity Lending

Now is the time to think about remodeling your home! The First National Bank of Coleraine can help with our Home Lending. We make it easy by providing a loan, so you are able to use the equity in your home for your improvements.

Our loan officers make the process quick and easy by helping you determine if a home improvement loan is best for you.

Contact one of our professional lending specialists in our Lending Department to assist you with your Home Equity Loan today.

Additional Loans

When it comes to loans, we have everything you could ask for! That’s right. From the perfect weekend getaway…to a sleek, new car… to that special home you’ve always dreamed about…we give you easy access to all types of loans. Whether it’s for something you want or something you need.

No matter what’s in your plans – or what comes up unexpectedly – we’re the best source for getting the financing you need. That’s because we offer some of the most affordable, low-cost rates available, along with flexible terms to match your budget and your lifestyle.

And now, we’ve made applying for a loan easier than ever before. Just come in, tell us what type of loan you’d like, and we promise to strive for the fastest possible response time! If you have any questions about your financial situation or are interested in applying for a loan, come in and talk with one of our experienced loan personnel. We’ll help you find the answer that’s right for you. We look forward to serving you!

Checking Plans

The First National Bank of Coleraine has savings and checking accounts that offer a variety of features. You can choose from the following:

Platinum Account: Simple interest on the daily balance. Minimum balance of $1000 required to open account. Service charge of $5.00 is incurred if average daily balance falls below minimum at any time during the statement cycle. Customer pays for check printing.

Money Market Deposit Account: Minimum balance of $2,500 required to open account. With a $2,500 balance, your money earns market interest rates, calculated with simple interest daily and paid monthly. Lower interest when balance falls below minimum. Customer pays for check printing. Service charge of $5.00 is incurred if average balance falls below minimum at any time during the statement cycle.

Corporate Account: These accounts are charged $10 during each statement cycle and receive a credit of $.10 per $100 on the lowest balance during that cycle.

Copper Account: Pay only $.15 for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) with no minimum balance required. Customer pays for printing checks.

Bronze Account: Write as many checks as you want for only $4.00 a month. No minimum balance required. Customer pays for check printing.

Silver Account: Free Club checks (wallet style). Duplicate checks or any other style other than Club checks are subject to charge with a credit of $8.00 toward any other style, free safe deposit box, all for just $7.50 a month. No minimum balance required.

Crystal Account: For non-profit organizations and students. No minimum balance. No per-check charges. Customer pays for printing checks.

Gold Account: Minimum balance of $300 to open account. No service fees with a monthly balance of $300. If account falls below minimum, customer pays $1.00 plus $.15 for each check written during the cycle. Customer pays for printing checks.

Diamond Account: For everyone 50 years and over. No minimum balance, no service fees. No fee money orders. Free Club checks (wallet style) customer pays $8.00 shipping and handling fee per box ordered. Duplicate checks or any other style other than Club checks are subject to charge with a credit of $8.00 toward any other style. One account per customer, consumers only.

Health Savings Account (HSA’s): Earns interest just like the money market deposit account. Pay your qualifying medical expenses with checks or debit card. No minimum balance, no service fees, customer pays for printing of checks.

24-Hour Convenience

Even if you don’t have access to our Internet Banking service, you still have access to the bank when it’s closed with the First National Bank of Coleraine’s telephone banking service. Simply call 218-245-4000 anytime, 24 hours a day, seven days a week to check your balances, inquire on deposits or other transactions, and transfer funds. The 24 hour phone bank is one more way the FNB Coleraine is working to meet your needs.

Debit Cards

FNB Coleraine also offers Debit/ATM cards to make banking even easier. Our automated teller machines are conveniently located and open 24 hours a day. To activate your card, create or change your pin, please call the activation phone number: 800-992-3808.

We monitor your card activity for fraudulent charges, so let us know when you’ll be out of town.

If your Debit Card is lost or stolen after hours please call 800-472-3272.

FNB Coleraine has partnered with Fiserv to bring you the Card Valet app with enhanced card controls and dynamic alerting capabilities, provides you with the ability to monitor and manage your FNB Coleraine debit card accounts and to receive and respond to alerts instantly through your mobile device…anywhere, anytime!

  • Account Management- conduct balance inquires, transfers, transaction history, set alert preferences.
  • Location Services- set geographic parameters for card use, and option to disable the use of the card if outside the defined regions. Just be aware that sometimes, the parent company location is used instead of the physical location, which could cause an unintended denial.
  • Transaction Controls- set specific transaction parameters by type, and set dollar amount thresholds.
  • Interactive Alerts- identify unauthorized activity as the transaction is taking place by receiving alerts with transaction details on your mobile device, ability to decline the transaction or turn off the card.

Download Card Valet, a FREE app for your mobile device today! Get it in the Apple App Store or Google Play for Android.

Debit Card Fraud Program

FNB Coleraine's Debit Card Fraud program will notify you of a suspect transaction when using your card. A freeMSG from 37268 will text and an email will be sent to you. A phone call may be made if you do not respond to the prior messages. Please reply to these when prompted. If valid reply YES, and you will be able to try again. If the transaction described is not your transaction, reply NO and your card will be frozen. Please call Bkkg at 218-245-4014 if you have any questions.

Direct Deposit

Enjoy the convenience and security of having your funds automatically deposited in your account. The First National Bank of Coleraine provides ACH services that will allow you to have your paycheck or government check automatically deposited in your account. You will never have to worry about forgetting a payment or getting to the bank on time again. Stop in and talk to us about getting your account set up for direct deposit or any of the other benefits our ACH services can provide.


Simply click on the “Sign up for E-Statements” link here on our website, print out the Consent and Agreement, read the form and fill out the information at the bottom of the last page. Bring, mail, or email your signed Consent and Agreement form. When we receive your Consent and Agreement, we will send you an email along with a document that describes how the sign up process works. You will need to open up this document, save or print it out and then reply back to the Bank. Once we receive your reply, we will proceed with your enrollment in E-Statements.


NMLS# 449854

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