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A: No, we currently do not offer services through Zelle. However, we do offer Pay a Person in Bill Pay.
A: Call us or message us in online banking if you see unauthorized transactions on your account.
Q: Where can I find my personal account number?
A: The second set of numbers on your checks, or online banking. For a computer, it is on the right-hand side in your account, mobile banking it is on the bottom when you tap on your account.

Q: What is First National Bank of Milaca's routing (ABA) number?
A: 091903310
Q: What is an ABA number?
A: An ABA (American Bankers Association) number is also known as the routing number.
Q: Do I need to make an appointment to open an account or get a loan?
A: You do not need an appointment. We usually have staff ready to assist you upon walking in. However, to guarantee you'll be assisted right away we recommend calling to make an appointment.
Q: How do I change my address/phone number/email associated with my account?
A: You can call us at (320)983-3101, or send us a message through your online banking portal.
Q: My debit card is about to expire, when will I receive my new one?
A: If we have your current address, you will receive your new card around the middle of the month of expiration. Your card expires at the end of the month listed on your card.
Q: What is the current deposit or loan rates?
A: Please call for current rates!
A: You can call us at (320)983-3101, or send us a message through your online banking portal.
A: Our fraud department is constantly monitoring transactions. If you had a transaction flagged by our fraud department, they will reach out to you via phone call, text, or email asking you to verify the transaction or flag it as fraudulent.
A: Yes, this will let our fraud department know you'll be out of state.
A: Yes, until the Federal Reserve Bank no longer has any to order. At that time, we will be rounding to the nearest nickel as some businesses are already doing.
A: Yes! Non-customer fees may apply.
A: If we have your current address, you will receive your new card around the middle of the month of expiration. Your card expires at the end of the month listed on your card.
Q: Why did I get a text from the fraud department?
A: Our fraud department is constantly monitoring transactions. If you had a transaction flagged by our fraud department, they will reach out to you via phone call, text, or email asking you to verify the transaction or flag it as fraudulent.
Q: Should I let FNB know when I'm traveling?
A: Yes, this will let our fraud department know you'll be out of state.
A: We charge $3 for printed statements on all checking accounts. To avoid this fee, ask about e-Statements through online banking.
A: You do not need an appointment. We usually have staff ready to assist you upon walking in. However, to guarantee you'll be assisted right away we recommend calling to make an appointment.
A: You can call us at (320)983-3101, or send us a message through your online banking portal.
A: Mycardstatement.com(Opens in a new Window) is our credit card payment portal. For assistance logging in, call (866)604-0380.
A: Please call for current rates!
A: There are many variables depending on the type of loan you are applying for. Please call us to discuss!
A: Call us to reset your password or click “Login” and then “Forgot Password?”, follow the prompts.
Q: How do I view statements online?
A:
- Log into your online banking session and select an account
- Select "eStatements"
- Read and accept disclosure
You may opt out of e-Statements at any time (statement fees may apply).
Q: How do I enroll in online banking?
A: Please call us at (320)983-3101 and we can assist you. You will receive login information from one of our staff.
Q: Why do I have a $3 service fee on my checking account every month?
A: We charge $3 for printed statements on all checking accounts. To avoid this fee, ask about e-Statements through online banking.
Q: Is Zelle available through FNB?
A: No, we currently do not offer services through Zelle. However, we do offer Pay a Person in Bill Pay.
- Endorse your check
- Check mark or write mobile deposit on the back of the check
- Write the last 3 digits of the account number on the back of the check you want to deposit into
- Follow the prompts
A: Yes, be cautious. If you have any suspicion that it is a scam, hang up and dial the number you know to be true for the bank, do not redial.
A: You do not need an appointment. We usually have staff ready to assist you upon walking in. However, to guarantee you'll be assisted right away we recommend calling to make an appointment.
A: You can call us at (320)983-3101, or send us a message through your online banking portal.
A: Please call for current rates!