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. 











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 June 1, 2024.
Fees may reduce earnings.
#Variable Rate
@Sales Tax will be charged on service totals.
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) 
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 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 June 1, 2024. 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.