Get the picture



Because FNB Osakis takes your security seriously, we add your photo to your debit card for FREE!

Ask our Customer Service Representative for details!

First National Bank of Osakis

PO Box 580
211-213 Central Avenue
Osakis, MN 56360
Ph: 320-859-2101
Fax: 320-859-3680

Lobby Hours:

M-Th 8:30am-3:00pm
Fri 8:30am-5:30pm
Sat 8:30am-Noon

Drive Up Hours:

M-F 8:00am-5:30pm
Sat 8:00am-Noon


Checking Comparison Chart

  Description Interest Paid Minimum
Balance Required
Service Charge
A very popular basic account
Many free options available
(see below)
No None · None
· Optional image statement
for $3 per month
Pays interest on your balance Yes $400 · $9 fee if balance falls
below $400 minimum any
day of the month
· Optional image statement
for $3 per month
· Our highest rate checking account
· Image statement included
· Non-personal withdrawals or transfers to another
account or to third parties by check, preauthorization,
automatic, or telephone transfer are limited to six per monthly statement cycle;
$10 fee for each non-personal transfer exceeding six.
· No limit or charge for transfers made in person.
$5,000 $12 fee if balance falls
below $5,000 minimum
· Checking for Young Adults 14-18
· No checks – photo Debit Card.
· Free Online banking.
· Oops! (one overdraft per student)
· Preferred Auto loans. Auto Savings coupons.
No None None



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Checking Options

All of our checking accounts come with…

  • Free Telebanc 24-hour telephone banking
  • Free Internet Banking at
  • Free box of checks

And all accounts can be enhanced with…

  • Free Direct Deposit
  • Automatic Loan Payments
  • Automatic Savings
  • Overdraft protection*
  • SHAZAMTM Chek Card*



Financial Calculators

Our calculators can help you determine what you need to achieve your goals and stay on budget.


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Savings Options


  • $50 minimum balance
  • $5 monthly maintenance fee if account balance falls below minimum any day of the month
  • $5 fee for each withdrawal over 6 per month
  • Interest compounded and paid quarterly
  • The minimum balance requirement and monthly maintenance fee do not apply to customers less than
    19 years of age or 55 and over.


  • deposit limit of $100 per week applys: fixed interest rate
  • Receive a check in November for your holiday shopping!
  • Interest paid at maturity
  • Early withdrawl penalties apply


  • Insured and Investors Money Market Accounts
  • High Money Market return with liquidity
  • Fully guaranteed


  • For kids up to age 12
  • Teaches good savings habits
  • Pays a higher rate 
  • $25 dormant fee 
  • $5 fee for each withdrawl over 6 per month



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Freedom Club for 50 Plus

With our Freedom Club, you enjoy a free holiday dinner with other Freedom Club members. You also get a birthday gift and discounts on insurance through Auto Owners Insurance. Just keep $10,000 in deposits at FNB Osakis, and you enjoy the benefits of membership. Ask for details! It’s time to enjoy the best!


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