Earn First National Bank of McHenry Loyalty Rewards 


You can now earn uChoose loyalty reward points just for using your personal First National Bank of McHenry Visa Check Card.  Simply by doing the things you probably already do today with your Visa Check Card, you will be eligible to accumulate loyalty points that can be redeemed for a wide array of products, travel experiences and activities, event tickets, merchant gift cards, and much more!  Your existing personal Visa Check Card is eligible to earn rewards, however, you must enroll your card prior to earning points.  There is no cost to participate in this program.  Click the link above for more details.   


We're on the Lookout for Visa Check Card Fraud

To protect your account, we actively monitor ATM and Visa Check Card transactions for potentially fraudulent activity.  If we suspect something out of the ordinary within your card usage patterns, we may be calling you to verify the legitimacy of your transactions.  Your participation in responding to our call is critical to prevent potential risk and avoid restrictions that may be placed on your card while we investigate suspicious transactions.  Please click here to learn more about what to expect should we need to call you in order to verify a suspected transaction. 

eDocuments are Now Available

eDocuments are a quick, secure, and easy way to electronically receive monthly correspondence from the bank such as account statements, notices, and legal disclosures in an easy-to-use PDF format.  Should you choose to enroll in eDocuments, we will send you an email every time a new eDocument is available.  All eDocuments will be archived on our secure database for up to 12 months, so you will have a complete library of eDocuments at your fingertips when you need them.  More information is available here.  

bank locationsWelcome to First National Bank of McHenry. For over 40 years we've been building long-term relationships based on top quality, personal service, high ethical standards, and the careful stewardship of safe, sound assets. With two offices in McHenry, one in Island Lake, and one in Richmond, we invite you to stop by your local branch and see what our customers already know; the difference a  local bank can make for you!   




in a world of commonplace credit cards,

ours is a standout!


Introducing our Visa Platinum Credit Card

Learn More / Apply Now 

Private Student Loans

The First National Bank of McHenry Smart Option Student Loan by Sallie Mae is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.  To learn more or to apply, please get started here


Features and Benefits

  • Competitive Interest Rates
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available - like rewards and interest rate reductions.
  • Rates that reward creditworthy borrowers.
  • Applying with a creditworthy cosignor may help you qualify and/or receive a lower rate.
  • Fast Online Application.  Our easy-to-complete application takes about 20 minutes.  It's quick and easy.
  • 24 / 7 online account management.
  • No prepayment penalty.


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