Solutions built just for you and your family


Enjoy Free Online Banking, Free E-Statements and Free FNB in Philip Mobile App. Mobile Deposit is now offered through our Mobile App! Online Bill Pay is also available.

Regular Personal Checking

There is a minimum deposit of $100.00 to open a Regular Personal Checking account and a $4.00 service charge will be imposed if your average ledger balance is less than $500.00 for the statement cycle. You enjoy unlimited check writing and your checks are imaged and enclosed with your monthly statement.

PAY-C Checking

This is a great account for our younger depositors. You only need a $50.00 deposit to open the account and there is no service charge. A check charge fee of $6.25 to $12.50 will be charged for each pad of checks depending on style. You are required to sign up for Internet Banking and enroll in E-Statements.

NOW Checking

If you normally keep a higher balance in your checking account and want those funds to earn interest, our NOW account is for you. There is no service charge as long as you maintain a minimum balance of $1500.00. The service charge is only $3.00 if you do fall below the minimum with a $.15 per withdrawal fee for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account). You enjoy unlimited check writing and your checks are imaged and enclosed with your monthly statement.

Health Savings NOW Checking

If you have a High Deductible Health Plan (HDHP) you may be eligible to open a Health Savings NOW Checking with a minimum deposit of $5.00. Interest will be compounded monthly and there is a $4.00 service charge per statement cycle. Consult your tax advisor to determine eligibility.

See current interest rates

Deluxe Personal Check Reorder

Reordering checks from First National Bank in Philip couldn’t be easier. It is convenient and saves time. Order your checks on the Deluxe Personal Check Reorder Web site today. For security reasons, Deluxe has restricted this service to orders that do not have any name or address changes. Also, you must provide the next starting check number, which can be found on your check reorder form. If you have name or address changes or you do not know the starting check number for your reorder, please mail or bring your check order in to First National Bank in Philip and we will process it for you.

Reorder Your Checks Now


Enjoy Free Online Banking, Free E-Statements and Free FNB in Philip Mobile App. Mobile Deposit is now offered through our Mobile App! Online Bill Pay is also available.

Regular Savings

Our Regular Savings account can be opened with as little as $25.00. Your money is available to you whenever you need it. This Savings account offers a competitive rate and the interest is compounded quarterly.

See current interest rates

CMA – Cash Management Account

As money market account, our Cash Management Accounts offer a tiered rate structure that increases as the balance in the account increases. Interest is compounded and credited monthly. A $2500.00 minimum opening deposit is required. There is no service charge. Up to six withdrawals or transfers are allowed per statement. Unlimited deposits and unlimited withdrawals in person. As with our checking accounts, your checks are imaged and enclosed with your monthly statement.

See current interest rates

Certificates of Deposit

If you’re looking for a higher return on your money than Savings accounts offer, a Certificate of Deposit may be right for you. We offer CD’s with terms as short as 3 months or as long as 4 years. There is a minimum opening deposit of $1,000.00 for all Certificates of Deposit.

See current interest rates

Individual Retirement Accounts (IRA)

Retirement planning must begin early in life if we want to be able to enjoy our golden years. Odds are pretty good that there won’t be enough government or pension savings when it is your turn to retire. If you are under age 70 ½ for the entire tax year and receive a salary or wages as an employee you are eligible to establish an IRA. IRA accounts can be opened any time between January 1, and the date your tax return is due for the year, excluding extensions. When you open an IRA, you pay no taxes on the interest until the money is withdrawn, usually after retirement. This allows your money to grow much faster than in taxable accounts. For some people, IRA deposits are tax deductible. Consult your tax advisor for tax deduction eligibility. We offer a variable rate 12 month Certificate of Deposit IRA. There is a $5.00 minimum to open the account and you may have an unlimited number of deposits and withdrawals.

See current interest rates


Enjoy Free Online Banking, Free E-Statements and Free FNB in Philip Mobile App. Mobile Deposit is now offered through our Mobile App! Online Bill Pay is also available.

Automobile Loans

Let us put you in the driver’s seat of a new or used car with an automobile loan. New car loans are generally available for up to five years, and used car loans up to four years.

Recreational Vehicles

If a fun-time is on your wish list, we’ll do our best to make that wish come true. Come to us for financing for a boat, motorcycle, snowmobile, motor home, ATV or travel trailer.

Personal Needs

When you need cash for a vacation, furniture, or other personal expenses, we’ll listen to your needs, consider your financial status, and adjust the terms to fit your situation.

Ready Reserve

Ready Reserve is a protection line of credit connected to your checking account to cover you should your account go below zero.

CD Loans

A loan secured by your Certificate of Deposit with us can be made for 2% above the rate you are earning.

Get Your Free Annual Credit Report Online

Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.


Mobile Deposit FAQ

What is Mobile Deposit?
First National Bank in Philip Mobile Deposit is a service that allows you to electronically deposit checks from your Apple or Android device using the First National Bank in Philip Mobiliti Banking application (app).

What devices work with Mobile Deposit?
iOS version 5.0 or higher, any Android device version 2.3 or higher. Your smartphone or mobile device must be equipped with a camera and ability to access the Internet. You may be charged access rates depending on your carrier. Check with your carrier for details on specific fees and charges.

How do I know if I am eligible to use Mobile Deposit?
To use Mobile Deposit, you must be a current First National Bank in Philip Mobiliti customer with a checking or savings account open for at least 30 days. Your loan and deposit accounts must be in good standing. You must also be enrolled in Internet Banking and have a compatible mobile device with Internet access and have the bank’s mobile banking app downloaded to your Apple or Android device.

How much does it cost to use Mobile Deposit?
There is no cost to use Mobile Deposit at this time. The bank reserves the right to charge for this service by providing at least 30 days notice.

How do I sign up for Mobile Deposit?
Mobile Deposit is a feature of our free Mobiliti banking app available for Apple or Android devices. Once you have the free app downloaded you can request the mobile deposit product.

Are there limits to how much I can deposit?
Mobile Deposit has a standard $1,000 per check and a $1,000 per day limit. If you need to increase these limits, contact a First National Bank in Philip customer service representative at 605-859-2908.

Is Mobile Deposit safe?
Check deposit made through the First National Bank in Philip Mobile Deposit app are protected according to the highest financial industry standards. Security features include: password protection, internet firewalls and 128 bit encryption. The check images of the deposit do not stay on the phone. Making a deposit with your phone is as safe as using Internet Banking.

How do I make my first Mobile Deposit?
Making your first mobile deposit is fast and easy:

Login into First National Bank in Philip mobile banking app using your Internet Banking User ID and    Password,

Choose “Deposits” from the Menu and then “New Deposit”,

Select the account into which you want to deposit the check,

Enter the amount of your check,

Endorse the back of your check with “For Mobile Deposit” and your signature,

Take pictures of the front and back of your check,

Submit the check for deposit,

You will then receive an onscreen deposit pending notification.
That’s it! Your first deposit has been sent to First National Bank in Philip. You can review your Mobile Deposit and see the images you’ve submitted by selecting “Deposits” and then “View Deposit History.” These images are available for 30 days. You can only deposit one check at a time.

How will I know when the check has been posted to my account?
If your deposit was accepted prior to 3:00 PM MST, your deposit will generally be available immediately according to our Funds Availability Policy which was provided at account opening. You will know that your deposit amount is available when the amount appears in your available balance. Deposits made after 3:00 PM MST or on weekends or holidays, are generally available on the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

Do you have suggestions for taking good photos for mobile deposit?
All images are reviewed for clarity and completeness. If an error is detected, the service will prompt you to retake the photo. Follow these tips to help ensure a good photo is taken:

Use an area that is well-lit to prevent shadows.

Place the check on a dark surface.

Keep your hands clear of the check.

Remove objects or other items from view.

Make sure all four corners of the check are visible. Use the guides built into the App to help you line up the picture.

Position the camera directly above the check.

Why am I unable to deposit my check?
There are a few common errors that may cause your check to be rejected such as:

Improper endorsement-check should be endorsed “For Mobile Deposit” and your signature

Folded or torn corners

Front image is not legible

Amounts don’t match

Routing and account numbers are unclear

Image is too dark

What should I do with the check after it has been deposited?
Retain the check for 60 days after the date of the deposit. You need to maintain control over and be responsible for the check. Please store in a secure place and shred after the 60 day time period. On rare occasions, we may ask you to provide the check to us.

– Ineligible Items for Deposit

Checks payable to any person or entity other than the owners of the account

Altered checks

Checks payable jointly, unless deposited to a joint account including all payees

Checks previously converted to a Substitute Check

Foreign Checks

Checks not payable in United States currency

Stale dated checks-6 months older than date of deposit

Checks with any other endorsement other than specified in the Mobile Deposit User Agreement

Checks that have been previously submitted for deposit remotely or any other method at the Bank or another financial institution

Rebate checks, money orders or Savings Bonds