Apply Now!
Ready to switch to The First? We are here to help!
Switching your accounts to The First is easy even if you have direct deposits or automatic payments. The First is prepared to help you make it happen in four easy steps. Step 1 is to open an account at The First. You may open your account online or visit one of our locations! Access our Switch Kit here!
Checking Accounts
Switching your accounts to The First is easy even if you have direct deposits or automatic payments. The First is prepared to help you make it happen in four easy steps. All you’ll need can be found here.
Veterans Checking
As a special thank you for your service, with the Veterans Checking account you will receive a $100.00 cash bonus!**
Exclusive Advantages
First Free Checking
First Classic Checking
*Interest-Bearing Accounts
Refer to current rate sheet for account’s current interest rate and annual percentage yield. No average collected daily balance is required to obtain the disclosed annual percentage yield. At our discretion, we may change the interest rate and annual percentage yield on this account at any time.
Interest is calculated with the daily balance method, and applies a daily periodic rate to the principal (collected balance) in the account each day.
Interest is compounded monthly and credited monthly to the account. If customer personally closes account before interest is credited, accrued interest will be paid. Interest begins accruing no later than the business day we receive credit for the deposit of non-cash items, such as checks.
**Veterans Account
$100.00 bonus offered to new accounts and conversion of existing checking accounts to a Veterans Checking account. To be eligible customer must present military ID or other equivalent documentation. Limit one bonus per veteran. Bonus will be applied as an Interest Credit to the account.
*** One-year free Safe Deposit Box, size 3”x5”, subject to availability. If a larger box is chosen, a credit of the
standard annual fee for a 3”x5” box will apply. Following the first year, the standard annual fee for the box size will apply. Boxes are available at our Andale, Goddard, Haven and in Hutchinson: 25th and Main, 17th Ave, and Sherman and Main locations.
**** No ATM fees at First National Bank of Hutchinson ATMs. Fees may apply at other ATMs.
***** You are eligible for a .25% Annual Percentage Rate discount on a personal loan when you enroll in auto-debit payments. Discount is subject to credit approval and excludes overdraft banking privilege, mortgage loans, equity lines of credit and all advertised loan specials.
****** Overdraft Privilege is an additional option and is not automatic with every Veterans Checking account. Certain criteria apply to be eligible for Overdraft Privilege. Please contact The First if you are interested in adding this option to your account.
standard annual fee for a 3”x5” box will apply. Following the first year, the standard annual fee for the box size will apply. Boxes are available at our Andale, Goddard, Haven and in Hutchinson: 25th and Main, 17th Ave, and Sherman and Main locations.**** No ATM fees at First National Bank of Hutchinson ATMs. Fees may apply at other ATMs.
***** You are eligible for a .25% Annual Percentage Rate discount on a personal loan when you enroll in auto-debit payments. Discount is subject to credit approval and excludes overdraft banking privilege, mortgage loans, equity lines of credit and all advertised loan specials.
****** Overdraft Privilege is an additional option and is not automatic with every Veterans Checking account. Certain criteria apply to be eligible for Overdraft Privilege. Please contact The First if you are interested in adding this option to your account.
Regular Savings
A Regular Savings Account is a great place to put money away and experience growth over time. These accounts are often used as an educational tool for children and youth to assist in teaching how to save and budget money.
Savings Accounts and CDs
Switching your accounts to The First is easy even if you have direct deposits or automatic payments. The First is prepared to help you make it happen in four easy steps. All you’ll need can be found here.
Ultra Money Market
Like money market mutual funds, the Ultra Money Market Account earns a higher rate of return. But unlike a mutual fund, there are no up-front fees to pay, and your money isn’t locked away out of reach.
Certificates of Deposit (CDs)
The First offers a variety of options for Certificates of Deposit (CDs). Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. Refer to rate sheet for current information.
Safe Deposit Boxes
To offer protection for your valuables, The First provides safe deposit boxes for rent at six locations*. A variety of box sizes in a range of 2x5x20 to 10x25x20 are available. Rental fees vary depending on the size of the box. Contact us at 620.663.1521 for information and box size availability.
Safe Depsit Box Locations:
Andale
Goddard
Haven
Hutchinson
*Not all box sizes are available at all locations. A deposit account at The First is required in order to rent a box. Fees are automatically deducted from your account.
The contents of safe deposit boxes are not deposits and are not insured by The First or by the FDIC. Safe deposit customers may obtain insurance coverage on box contents at their own expense.
EverydayRewards
EverydayRewards™ is a program that rewards you with points every time you use your First National Bank Debit Card to make a purchase.
Electronic Banking Services
To get started with Electronic Banking, click here to sign up.
To access how-to videos and electronic banking digital guides, click here to visit our Electronic Learning Banking Center.
Electronic BillPay & eBills
Apple and Android Apps
Download Free Apps for iPhones/iPads and Android Phones and Tablets!
If you're an Apple or Android user, you can download your free App from the Apple Store or Google Market store.
Apple Watch Functionality
Apple Watch users can pair their watch within the Apple mobile banking app. After pairing, users have access to:
SnapShot Deposit
Ready to get started? Visit any location or contact us at 620.663.1521!
SnapShot Deposit can be used with:
Change It Up
Change It Up is a feature that rounds up your debit card purchase amounts to the next whole dollar amount and deposits the change into a separate account of your choice at The First!
It is easy to enroll inside Electronic Banking by going to the Services menu and completing the "Change It Up Enrollment" form. You may also call us at 620.663.1521 or stop by any location and ask to enroll in our Change It Up program!
Need an additional account at The First to start saving? Log into Electronic Banking, go to the Services menu and click on “Open an Account”. Or you can open an account at any of our full service locations. Click here to visit our locations page.
More information about Change It Up:
FirstPay
FirstPay is a Person-to-person payment feature which makes sending and receiving money as simple as texting and emailing. Whether it’s paying rent, paying daycare, paying allowance, splitting the check, or sending a birthday gift, FirstPay will allow you to quickly transfer money from your existing debit card securely and privately within The First’s Electronic Banking.
FirstPay is located inside Electronic Banking in the Transactions menu!
Do I need to download a separate app to use FirstPay?
If you are a user of Electronic Banking at The First, you already have access to FirstPay within the app or on a desktop computer.
Does FirstPay cost money?
No, it’s free!
Is FirstPay secure?
FirstPay is only accessible after you have successfully logged into your Electronic Banking, either on desktop or the mobile app. The feature is housed securely inside your Electronic Banking.
How does FirstPay Work?
Who can I send money to with FirstPay?
Send money to anyone with an open and active debit card or account at any United States Financial Institution.
Use FirstPay to
Split the bill, pay rent, daycare, babysitter, family, friends, etc. If you are paying a business, you may alternatively use Bill Pay.
What information is needed to send money to someone?
All you need is the recipient’s email address or mobile phone number, depending on if you choose to send via a text message or email. You have the option of using your contact list to populate the fields if you are using the mobile app. The recipient will choose if they would like the funds deposited directly into their bank account by debit card or enter their account number and routing number at their financial institution.
Does the recipient have to be a customer of First National Bank of Hutchinson?
No, you may send money to anyone in the United States that has an open and active debit card with a United States financial institution.
How does the recipient accept my payment?
Recipient receives a text or email from FirstPay.
No special app for the recipient to download!
The transaction is all conducted within the link in the text or email.
Best Practices
Best practices are for you to inform the recipient to expect a text message or email from FirstPay which will have your name and an instruction link to receive the money.
Upon clicking the link, the recipient will be asked to enter his/her name and debit card information for immediate transfer of funds and accept terms and conditions.
As an alternative, the recipient may enter bank account information to receive the funds in 1 – 2 business days.
What if the recipient never receives the text message notification of my payment?
Verify the information used to set up the contact is correct.
If it is, one of the following may be possible: The recipient may be using a mobile carrier that automatically blocks unfamiliar text messages OR the recipient may have blocked unfamiliar text messages.
If this does not resolve the issue, you should ask the recipient to contact their carrier to remedy the issue.
What if the recipient never accepts the payment?
The payment will be returned automatically to the sender after 10 days.
Can I cancel a payment?
You are able to cancel a FirstPay transaction as long as your recipient has not yet accepted the money. This is will require contacting us at 620.663.1521 during banking hours.
How long will it take for the funds to be deposited into the recipient’s account?
This will depend on the delivery method of the payment and at what time it happened: 1-3 days after the recipient claims the payment.
Can I send money internationally?
No, you cannot.
About FirstPay
Available to Electronic Banking customers with an open and active debit card from The First.
First Contact Voice Banking
Access Your Accounts by Phone, 24/7
620.694.2336 or 800.757.2432 or 620.465.2355 (Haven)
With our Voice Banking Service, First Contact, you can access information about and make transfers on your account(s) at The First 24/7 including:
Personalized Debit Card Options
Show your Hutchinson community spirit with a Hutch Flag Card design! Cost of the card is $5.00 with $1.00 going back to the Fund for Hutchinson held at Hutchinson Community Foundation.
American Flag Debit Card Design
Cost of the card is $5.00 with $1.00 going back to a local Veteran organization.
Fee is waived when opening a Veterans Account.
High School Debit Card Designs
Show your community spirit everywhere you shop!
Cost of the cards are $5.00 with $1.00 going back to the designated district. Click here to view all the designs.
The First offers improved security with the option of adding Debit Card Alerts & Notifications. Enroll for free alerts in Electronic Banking in the Services Menu or contact us at 620.663.1521.
It is important The First records your travel dates to reduce the chances of your Debit Card being blocked. Contact us at 620.663.1521 or complete the Debit Card Travel Alert form inside Electronic Banking, located in the Services Menu.
Every Debit Card issued by The First is monitored for fraud protection. To learn more about how The First contacts customers if fraud is suspected, click here.
Report Lost or Stolen Debit or ATM Card
620.663.1521 (during banking hours)
888.227.3096 (after banking hours)
Wallet Pay
Add your First National Bank of Hutchinson debit card to your mobile digital wallet for contactless payment transactions in stores, online and within apps.
Device specific numbers and unique transactions codes assure your card and purchases are secure.
To learn more about each solution, click on the wallet pay option of your choice and get started today!
Credit Cards
Your life. Your choice.
Earn more rewards for all your everyday purchases.1
Apply Online Today for a Simply Rewards™ Visa® Credit Card.
3x the points
1x the points
We make it easy to redeem -
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.
Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1
Additional Visa Benefits -
Fraud Protection
Visa’s Zero Liability Policy means you won’t be held responsible for any unauthorized charges made with your card or account information.2
Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3
Online Credit Card Control -
View transactions, pay bills and track expenses. Includes eStatements with 18 months of history.
Learn more about our competitive rates and fees.
Cardholder Self-Service Contacts
Online Account Access – www.cardcenterdirect.com
Rewards Points Redemption – www.cardcenterdirect.com
Customer Service – 1.800.821.5184
Cards issued by UMB Bank, n.a.
1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.
Apply Online Today for a Travel Select® Visa® Credit Card
The travel rewards credit card you want in your wallet
Earn 3 Points Per Dollar1 on travel-related purchases like: airfare, hotels, resorts, cruise ships, car rentals and tour buses.
Earn 1 Point Per Dollar1 on all other purchases.
Redeem Points for account credits, gift cards, merchandise, travel, entertainment and more.
No Annual Fee.2
Attractive Introductory Purchase APR for 12 months.2
Attractive Introductory APR for 12 months on Balance Transfers completed within 60 days of account opening.2
No Foreign Transaction Fees.2
$0 Liability Protection3 on unauthorized purchases.
Enjoy Great Visa Benefits1 like Travel Assistance Services, Auto Rental Insurance and more.
Easy Online Credit Card Control.
1 Cardholders earn three (3) points per dollar on Net Purchases with MCC Codes: 3000-3756 (airlines, hotels and resorts), 3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn one (1) point per dollar on all other Net Purchases. See Rewards Rules for complete details. For information on travel assistance, travel related insurance, and other Visa benefits, see our Guide to Benefits.
2 See Important Cost Information disclosure that accompanies the card application for additional details. Other UMB accounts not eligible for this balance transfer offer.
3 Visa’s Zero Liability Protection covers U.S.–issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use.
Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
Personal Lending
At The First we make your loan application process quick and easy. We have experienced loan officers available at all of our locations (except Avenue A in Hutchinson) and you can also apply online for many types of loans.
We offer a variety of personal loan options and will help you choose the best loan product for your situation. Our local loan approval process means you deal with your local banker — not someone in another state.
For information on our rates, visit our Rates page.
Home Equity Line of Credit
A home equity line of credit is perfect for expenses with multiple payouts from remodels to college tuition. Borrow as you need, pay back as you go and you’ll avoid paying interest on the money you need until you actually use it. First National Bank of Hutchinson is currently offering a home equity line of credit starting at 5.00 % APR1.
Home Equity Loans
When it’s time to reinvest in your greatest investment, turn to First National Bank of Hutchinson. We’re now offering home equity loans at 4.302% APR2 with approved credit. Whether you want to tackle a home improvement project, finance a car or pay off a credit card, First National Bank of Hutchinson home equity loans are an efficient way to get things done.
Applications for a Home Equity Line of Credit or Home Equity Loan can be made at any of our locations (except Avenue A). To expedite the process, link here, to complete the application before visiting. At this time, we do not have a fully automated, online application process for our Home Equity Loans.
1 Subject to credit approval and mortgage position, up to 80% Loan to Value (LTV). Rates are subject to change. The Prime Rate is quoted in The Wall Street Journal as of the 15th day of each month. The APR may change monthly ranging from Prime to Prime plus 0.50%, depending on credit, but will not be lower than 3.75% APR or exceed 18% APR. There is a $100 documentation fee and appraisal fee due at origination. All other closing costs are waived. The annual maintenance fee is $50. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.
2 Subject to credit approval and mortgage position, up to 80% LTV. The Annual Percentage Rate is subject to change and will vary depending on loan term and fees. Disclosed APR assumes a $20,000 loan with a $100 documentation fee. For example, a $20,000 loan with a contract interest rate of 4.30% would require 60 monthly payments of $371.06, resulting in an APR of 4.302%. Insurance must be carried on property securing the loan. Consult your tax advisor regarding tax deductibility.
Home Loans - Stay At Home
Purchasing, refinancing or building your primary residence? Our loans are tailored to fit your individual preferences and needs.
Fixed Rate
Construction
Bridge
Other Options
Want to do your homework before applying? Use our Calculators to estimate payments.
The First's Real Estate Team:
Pictured Above:
Jessica Nelson (NMLS ID 658456)
Michael Holland (NMLS ID 658451)
Cindy Sherraden (NMLS ID 658458)
Debbie Barnes (NMLS ID 589672).
The First's NMLS ID is 629547.
With 8 locations to serve you and our experienced, knowledgeable loan team, we will come to your location of choosing to help you throughout the process — and beyond. Our real estate professionals can be reached at 620.694.2310 in Reno County or 316.444.2550 in Sedgwick County.
Investing
Individual Retirement Accounts & Certificates of Deposit
If you are interested in additional ways to save money other than a basic savings account, CDs and IRAs may be good options. If you are looking for options to convert an existing 401(k), click view more for details.
IRAs
An IRA is a flexible retirement planning investment instrument with various maturities. Individual Retirement Accounts allow you to save for long-term goals, such as money for retirement or for a child’s education. Contributions to IRAs are typically not taxed until the funds are removed. Some IRAs are tax-deductible. The First offers several different types of IRAs. We encourage you to call us. We can help you choose an option that best fits your financial goals.
The First offers the following types of IRAs:
Traditional IRA
Roth IRA
Coverdell Education Savings Account
Simplified Employee Pension IRAs
Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder rate IRA rate table)
Certificates of Deposit (CDs)
A Certificate of Deposit is a flexible investment instrument with various maturities. Interest rates vary depending on the length of maturity. The rate is guaranteed until the maturity of the investment or until renewal. (placeholder CD rate holder)
1 Opening balance of $5,000 for Annual Percentage Yield and Interest Rate for $5,000 and over
2 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
3 There is no limit to the number of deposits made to the 15 Month Add-On CD. Each deposit must be at least $50.00.
Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawal as follows: for maturities of 7 days to less than 30 days, the interest penalty is 7 days' interest; for maturities of 30 days to less than 90 days, the interest penalty is 30 days' interest; for maturities of 90 days to less than 1 year, the interest penalty is 90 days' interest; and for maturities from 1 year through 5 years, the interest penalty is 180 days' interest.