Personal Checking

Personal Personal Checking

First Bank offers you a variety of checking accounts to fit your financial needs. From Rewards Accounts to our popular Free Checking, we're sure you will find an account that makes it easy to manage your finances.

Banking with First Bank offers you these FREE benefits with every Checking account you open:

First Bank Visa Debit card
Digital Banking
E-Statements
Mobile Deposit
Text Banking

Take a look below at the complete list of features for all our checking accounts or review the current rates for all our checking and savings options.

	FIRST CHECKING	FREE CHECKING
Primary Features	Receive all the FREE benefits of banking with First Bank Receive images with your statements Monthly service charge waived if average daily account balance is $300.00 or greater	Receive all the FREE benefits with no minimum balances or account requirements Ask our Personal Bankers how you can protect your account from overdraft fees.
Minimum Deposit to Open	$25.00	$25.00
Service Charge^@	$5/monthly statement cycle, if avg. daily balance falls below $300.00	N/A
Interest Bearing^#	Yes, with a daily balance of $500.00 or more	N/A
Free Checks	First box free for customers. Free for First Friends.	N/A
Additional Features	Free Small Safe Deposit Box for 1 Year^{^^}	None
Additional Service Charges^@	None	$3.00/month for images with statements, upon request

	PREMIER REWARDS	DIGITAL REWARDS
Primary Features^{^}	Earn a higher interest rate paid on balances between $0.01 and $20,00.00^# A lower interest rate will be paid on remaining balances over $20,000.00 Reimbursement for non-First Bank ATM transactions up to $10.00, when you qualify per monthly statement cycle	Receive all the FREE Benefits plus earn an extra $5.00 deposit per monthly statement cycle Reimbursement for non-First Bank ATM transactions up to $10.00, when you qualify per monthly statement cycle
Qualification Requirements^{^}	Receive e-statements to a valid email address Have at least 12 signatures or PIN based debit card transactions with a $5 minimum purchase posted during the monthly statement cycle (excludes ATM transactions) Complete one ACH deposit or withdrawal of $100.00 or more posted to the account during the monthly statement cycle Maintain a daily balance of $2,000.00 or more during monthly statement cycle If qualifications requirements are not met, the account will earn 0.01% APY⁺ on the entire balance and ATM fees will not be credited to your account Have a valid U.S. Taxpayer Identification Number (Form W-9 eligible for tax reporting)	Receive e-statements to a valid email address Have at least 12 signatures or PIN based debit card transactions with a $5.00 minimum purchase posted during the monthly statement cycle (excludes ATM transactions) Have a positive balance at the end of the monthly statement cycle If qualifications requirements are not met, the $5.00 deposit and ATM fees will not be credited to your account Have a valid U.S. Taxpayer Identification Number (Form W-9 eligible for tax reporting)
Minimum Deposit to Open	$25.00	$25.00
Service Charge^@	N/A	N/A
Interest Bearing^#	Yes	N/A
Free Checks	N/A	N/A
Additional Service Charges^@	$3.00/month for images with statements, upon request	$3.00/month for images with statements, upon request

^{#Variable rate account: rates may change after the account is opened.}

^{^To receive all Primary Features, you must meet all rewards qualifications as outlined at the opening of the account.}

^{+Annual Percentage Yield}
^{@Sales Tax will be charged on service charge totals.}
^{^^Contents not FDIC Insured.}

^{Fees may reduce earnings.}

Accounts and rates offered through First Bank are available in our service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa.