We make checking accounts easy. With our Secure Checking account, you save by bundling IDProtect, cell phone protection, online & mobile banking, and entertainment discounts.*
Low 3% down payment and lower interest rates
Earn 6% APY* on your savings towards your new home! Click here to learn more!
With our cards earn unlimited rewards as you shop, pay confidently anywhere and enjoy no annual fee. 0% introductory rate on purchases and balance transfers for those who qualify.
Apply online with our easy mortgage application. Not sure you’re ready? Our mortgage calculators can help you select a mortgage loan to fit your financial situation.
We’ve got an auto loan that’s right for you. Get pre-approved or refinance today with our low rates, flexible terms, and convenient process.
Whether you’re a small business, a large corporation, or a non-profit organization, our tailored business checking accounts offer flexibility, competitive earnings, and world-class customer service
Streamline your business finances with Business Online Banking, Treasury Management, and Merchant Services.
Bank your best.™
Experience personalized customer service like never before. Offering a wide range of banking solutions tailored to you. See for yourself.
All your personal banking needs are conveniently met at our community bank in Ohio, with a range of solutions designed to support your financial growth and goals.
Discover the ideal mortgage loan for your unique needs and lifestyle. Whether you’re buying your first home, building from the ground up, or refinancing, we offer a full range of loan options. Fixed-rate loans, construction loans, FHA loans, Jumbo loans, and more! Our team of mortgage experts is here to help you every step of the way.
Boost your savings with our Ohio Homebuyer Plus savings account and earn an impressive 6.00% APY* today. Watch your money grow faster with this high-yield account designed to help you reach your homeownership goals sooner.
*APY = Annual Percentage Yield. Terms apply.
Rated Best in State Banks
Forbes – July 18th, 2024: Forbes America’s Best-In-State Banks 2024
Cincinnati’s Fastest-Growing Banks by Real Estate Lending
Cincinnati Business Courier – January 30, 2026
Fastest-Growing Real Estate Lenders: Cincinnati-Based Banks
Cincinnati Business Courier – July 18, 2025
Largest Women-Owned Business in Cincinnati
Cincinnati Business Courier – July 25, 2025
Cincinnati’s 52 largest banks by market share of deposits
Cincinnati Business Courier – October 24, 2025
Dayton’s 50 largest banks by market share of deposits
Dayton Business Journal – October 24, 2025
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Please note: Individuals are required to review the Ohio Homebuyer Plus participation statement prior to opening an account through the program. You can review the participation statement here.
*Annual Percentage Yield (APY) is 6.00% APY and interest rate is 5.83% on deposits of $500.00 to $25,000 and 4.97%APY and interest rate of 4.86% for balances $25,000 – $100,000, effective as of July 1, 2025, is a variable rate, and subject to change without notice. Minimum balance of $500 to open an account and obtain APY. Subject to approval by the State of Ohio.
**Consult with your tax advisor about tax advantages. 1st National Bank nor the Ohio Treasurer’s office offers any financial or legal advice.
