Affordable Rate Program (ARP)

Get up to 2% lower than market rates on your home purchase. See if you qualify today!

Affordable Rate Program (ARP)

Checking Accounts

We make checking accounts easy. With our Secure Checking account, you save by bundling IDProtect, cell phone protection, online & mobile banking, and entertainment discounts.*

Checking Accounts

HOMEPOSSIBLE Program

Low 3% down payment and lower interest rates

HOMEPOSSIBLE Program

Ohio Homebuyer Plus Savings Account

Earn 6% APY* on your savings towards your new home! Click here to learn more!

Ohio Homebuyer Plus Savings Account

Credit Cards

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.

Credit Cards

Mortgage Loans

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.

Mortgage Loans

top auto loan rates dayton cincinnati

Auto Loans

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.

Auto Loans

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Business Checking Accounts

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

Business Checking Accounts

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Business Services

Streamline your business finances with Business Online Banking, Treasury Management, and Merchant Services.

Business Services

Bank your best.™

1st National Bank: Your Community Bank for checking and saving accounts, loans, and financial services.

Rated Best in State Banks

Experience personalized customer service like never before. Offering a wide range of banking solutions tailored to you. See for yourself.

Rated Best in State Banks

Forbes – July 18th, 2024: Forbes America’s Best-In-State Banks 2024

 

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

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Community Articles

In The Community

ERA & 1st National: Inspiring Unity Sparks Remarkable Success

Dec 22, 2023 | 2 Minute Read

In this special feature, we delve into the highlights of the ERA 1st National Appreciation Lunch, a celebratory event that marked the thriving partnership between ERA Real Solutions Realty and 1st National Bank. Held in the bank’s Community Room, this luncheon not only reflected on a year of collaborative triumphs but also set the stage for future endeavors. Join us as we recap the engaging discussions, insightful speeches, and the overall spirit of community and partnership that defined this memorable event.

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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 at: https://tos.ohio.gov/Files/Pdfs/Ohio%20Homebuyer%20Plus/Ohio%20Homebuyer%20Plus_Participation%20Statement%20%20v1.3%20RV032525.pdf

*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 over $25,000, 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.