Make the Switch. Earn $350.

*New Customer Bonus Terms and Conditions: The New Customer Bonus program through The First National Bank in Sioux Falls (FNBSF) is open to any new consumer customer 18 years of age or older who opens an FNBSF consumer checking account (Personal Checking, Student Checking, Rewards Checking, or Bonus 10 Checking). This offer is valid from April 1, 2026, to June 30, 2026. New checking accounts are subject to approval by FNBSF. FNBSF will credit $350 to the account of the new customer who: 1) opens a new FNBSF consumer checking account, 2) keeps the checking account open for a minimum of 60 days in good standing, 3) signs up to receive eStatements and disclosures, and 4) makes 12 debit card purchases or completes one or more direct deposit(s) or ACH credit(s) of $500 or more into the account within the first 60 days of account opening. This offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. The $350 New Customer bonus will be credited to the new consumer checking account within 14 business days after the account has been open 60 days and the requirements have been met. The New Customer Bonus program is valid for new consumer checking accounts only. Customers with an existing FNBSF consumer checking account are not eligible for the program. This program may not be combined with any other offer and may be modified or canceled at any time without notice. The $350 New Customer bonus will be reported on IRS Form 1099 MISC if you are paid more than $600 in a calendar year. Limit one bonus per account and per customer.

Eligible Checking Accounts and Rate Information: The following checking accounts are eligible for the New Customer Bonus: Personal Checking; Student Checking; Rewards Checking, and Bonus 10 Checking. There is a $100 minimum opening deposit requirement for the checking accounts included in this program. The checking accounts are subject to applicable terms, fees, and charges. Fees may reduce earnings. Only the Bonus 10 Checking Account pays interest after account qualifications are met during a Monthly Qualification Cycle (MQC), and if your daily balance is $10,000.00 or less, the interest rate paid on the entire balance in your account will be 1.98% with an Annual Percentage Yield (APY) of 2.00%. If your Bonus 10 account qualifications are met during an MQC, and if your daily balance is more than $10,000.00, an interest rate of 0.10% will be paid for that portion of your daily balance that is greater than $10,000.00. The APY for this tier will range from 2.00% APY* to 0.29% APY*, depending on the balance in the account. *APY calculations are based on an assumed balance of $10,000.01 (2.00% APY) to $100,000.00 (0.29% APY) in your account and an assumed statement cycle of 31 days. If your Bonus 10 account qualifications are not met during an MQC, ATM withdrawal fees are not refunded and the interest rate earned on the entire daily balance in the account will be 0.01% with an APY of 0.01%. See Truth in Saving Disclosure for additional details. APYs are accurate as of April 1, 2026. Rates on variable accounts may change after the account is opened.