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.

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.

If you are a current customer of First Bank, you can open a new account online right now, using Open Anywhere!

The process is quick and easy and should take you about 10 minutes. We’ll walk you through it step by step.*

Open An Account*

Are you new to First Bank and want to open an account? Complete the Personal Account Application form and one of our Personal Bankers will be in touch with you soon!

New Customer Account

*To open an account, the applicant must be at least 18 years of age and an existing customer of First Bank , who can complete a W-9.

Premier Rewards

Do you maintain a checking account balance of $2,000 or more and have an ACH deposit or payment?

A Premier Rewards checking account may be the best option for you. Earn a highly competitive interest rate on balances up to $20,000. With Premier Rewards Checking you also receive all the benefits of our FREE Checking Account in addition to earning these benefits:

Earn a higher interest rate paid on balances between $0.01 and $20,000#
A lower interest rate will be paid on remaining balances over $20,000
Reimbursement for non-First Bank ATM transactions up to $10, when you qualify
$3/month for images with statements@

To Qualify for Your Premier Rewards, you must:

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 statement cycle (excludes ATM transactions)
Complete one ACH deposit or withdrawal of $100 or more posted to the account during the statement cycle
Maintain a daily balance of $2,000 or more during statement cycle
If monthly 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
Have a valid US Taxpayer Identification Number (Form W-9 eligible for tax reporting)

Limit one account per individual, available on personal accounts only.
Annual Percentage Yield effective as of July 1, 2024.

Fees may reduce earnings.

#Variable Rate

^@Sales Tax will be charged on service totals.

Digital Rewards

Do you use your Debit card for most purchases and prefer to receive secure E-Statements?

Earn cash back every month with First Bank's Digital Rewards account. Every time you qualify you'll receive:

Receive all the FREE Benefits plus earn an extra $5 deposit per statement cycle
Reimbursement for non-First Bank ATM transactions up to $10, when you qualify

To Qualify for Digital Rewards, you must:

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 statement cycle (excludes ATM transactions)
Have a positive balance at the end of the statement cycle
Have a valid US Taxpayer Identification Number (Form W-9 eligible for tax reporting)

Free Checking

Our basic checking with everything you need to manage your finances, with no additional requirements.

FREE Debit Card
FREE Digital & Text Banking
FREE Mobile Deposit
FREE E-Statements
No monthly service charges

First Checking

First Checking offers a competitive variable rate when you maintain an average daily balance of $500 or more plus all the benefits of Free Checking.

FREE Debit Card
FREE Digital & Text Banking
FREE Mobile Deposit
FREE E-Statements
FREE Small Safe Deposit Box for 1 year
First box checks FREE

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
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 interest rate paid on balances between $0.01 and $20,000^# A lower interest rate will be paid on remaining balances over $20,000 Reimbursement for non-First Bank ATM transactions up to $10, when you qualify	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 statement cycle (excludes ATM transactions) Have a positive balance at the end of the statement cycle	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.
^@Sales Tax will be charged on service charge totals.
^~Annual Percentage Yield effective as of July 1, 2024. Must maintain daily balance of $2,000. or more during statement cycle. Balance $0.01. to $20,000. Rate of 3.00% (3.04% APY). Balance of $20,000.01 or more Rate of 0.1% (0.1% APY). If qualifications are not met, the interest rate will be 0.01% (0.01% APY) on entire balance and ATM fees will not be credited to your account.
^~~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.