Personal Checking

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











Let Premier Rewards Checking work for you! Earn 3.04% APY# balances up to $20,000.00. With Premier Rewards Checking you also receive all the benefits of our FREE Checking Account in addition to earning these benefits:
    • 3.04% APY paid on balances between $.01 and $20,000.00.
    • 0.10% APY on remaining balances over $20,000.00.
    • Reimbursement for non-First Bank ATM transactions up to $10.00.
    • Free Mobile & Text Banking.
    • Imaged Statements Available ($3 service charge/month).
To Qualify for Your Premier Rewards, you must:
  • Enroll to receive e-statements using a valid email address.
  • Have a minimum of 12 signature or PIN based debit card transactions with a $5 minimum purchase posted during the statement cycle (excludes ATM transactions).
  • Complete one ACH deposit or withdrawal of $100.00 or more posted to the account during the statement cycle.
  • Maintain daily balance of $2,000.00 or more during statement cycle.
If qualifications are not met, the account will earn 0.01% APY on  the entire balance and ATM fees will not be credited to your account.

Limit one account per individual, available on personal accounts only.
Annual Percentage Yield effective as of July 29, 2022. Fees may reduce earnings.
#APY - Annual Percentage Yield
Earn cash back every month with First Bank's Digital Rewards account.  Every time you qualify you'll receive:
  • $5 directly back into your account
  • Reimbursement for non-First Bank ATM transactions up to $10*
  • All the Benefits of our FREE Checking Account
  • FREE Mobile & Text Banking
  • Imaged Statements Available ($3 service charge/month).
To Qualify for Digital Rewards, you must:
  • Enroll the account in e-statements with a valid email address.
  • At minimum of 12 signature or PIN based debit card transactions with a $5 minimum purchase posted during the statement cycle (excludes ATM transactions).
Limit one account per individual, available on personal accounts only.
Our basic checking with everything you need to manage your finances.
  • FREE Debit Card available
  • FREE Money Connection Online Banking
  • FREE Bill Pay
  • FREE Mobile & Text Banking
  • FREE E-Statements
  • FREE Overdraft Privilege
  • No monthly service charges
  • Imaged Statements Available ($3 service charge/month).
  • FREE Debit Card available
  • FREE Money Connection Online Banking
  • FREE E-Statements
  • FREE Overdraft Privilege
  • FREE Mobile & Text Banking
  • FREE Bill Pay
  • 1 year FREE Small Safe Deposit Box
  • Imaged Statements Available ($3 service charge/month). Fee waived if average daily account balance of $2,500 or more.






If you prefer to have something in hand, download our printable Checking & Savings brochure for account details.

Checking Accounts Comparison Chart 

Item Premier Rewards#~*^** Digital Rewards**^* Free Checking First Checking#+
Minimum Deposit to Open $25 $25 $25 $25
Service Charge@ $3/month for imaged statements $3/month for imaged statements $3/month for imaged statements
$5/statement cycle, if average daily falls to $300

$3/month for image statements~~
Interest Bearing Yes No No Yes, if average daily balance is $500+
Free Checks No No No
First box free for customers.

Free for First Friends customers.
Additional Features

Earn a higher competitive % rate on balances up to $20K#

Receive ATM reimbursement*
Earn $5/mo by using the card 12 times per statement cycle

Receive ATM reimbursement* 
 None Free Small Safe Deposit Box
for 1 Year^^

#Variable rate account: rates may change after the account is opened.
^Must meet rewards qualifications as outlined at opening of account.
* Fee reimbursement for non-First Bank ATM transactions up to $10 per statement cycle.
**Minimum purchase of $5, 12 times per statement cycle.
+Annual Percentage Yield effective as of February 1, 2023. $500 minimum daily balance to earn APY. Fees may reduce earnings
@Sales Tax will be charged on service charge totals.
~Annual Percentage Yield effective as of February 1, 2023. Must meet minimum balance of $2,000 to obtain APY.
~~ Fee waived if average daily account balance is $2,500 or more.
^^ Not FDIC Insured
Fees may reduce earnings.
Accounts and rates offered through First Bank available in our service areas of Bremer, Black Hawk, Wright Co, Chickasaw and surrounding counties in Iowa.