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How to Get a Loan From a Bank: A Clear Step‑by‑Step Guide for First‑Time Borrowers
Mar 22, 2026 | 7 Minute Read
What It Really Means to Get a Loan From a Bank Ever found yourself wondering how to get a loan …
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
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
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
Business Services
Streamline your business finances with Business Online Banking, Treasury Management, and Merchant Services.
Business Services
1st National Bank: Your Community Bank in Ohio for Checking and Saving Accounts, Loans, and Financial Services.
Experience personalized customer service like never before. Offering a wide range of banking solutions tailored to you. See for yourself.
Personal Banking
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.
Home Loans
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.
Ohio Homebuyer Plus
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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What Is the Age for Checking Accounts? Your Guide to Opening a Bank Account at Every Stage of Life
Jan 25, 2026 | 6 Minute Read
Want to take charge of your financial future? Understanding the age for checking account requirements is the first step toward …
The Real Benefits of a Savings Account: How Your Money Works Harder for You
Jan 4, 2026 | 8 Minute Read
What Is a Savings Account and Why Does It Matter? A savings account is one of the most straightforward and …
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.