Checking

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First Bank offers four types of personal checking accounts: First Choice, First Rewards, First Premier and First Money Market.

First Choice Checking Account

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Anywhere Banking Tools:

Online banking, mobile banking, bill pay, debit card and e-statement.

Limited access to BaZing savings:

3 free deals from local merchants to save you money on shopping, dining, travel and more.

Limitations:

You must deposit $50.00 to open this account.

Account Fees:

$5.00 monthly service charge if minimum daily balance falls below $300.00 during a statement cycle. No service charge if minimum daily balance is $300.00 or greater during a statement cycle. Fee applies even in cases of no activity. Service charge is waived if you are 65 years of age or older or a full-time student up to age 24.

First Rewards Checking Account

Powered by BaZing

Anywhere Banking Tools:

Online banking, mobile banking, bill pay, debit card and e-statement.

Cell phone protection:

Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Identity theft protection:

Includes payment card protection, $2,500 in personal identity protection and identity theft aid. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Roadside assistance:

Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage:

Peace of mind for the unexpected. (Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Pharmacy, vision and hearing savings:

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Limitations:

You must deposit $50.00 to open this account.

Account Fees:

$6.00 monthly service charge posted at statement cycle time.

First Premium Checking Account

Powered by BaZing

Anywhere Banking Tools:

Online banking, mobile banking, bill pay, debit card and e-statement.

Cell phone protection:

Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Identity theft protection:

Includes payment card protection, $2,500 in personal identity protection and identity theft aid. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Roadside assistance:

Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage:

Peace of mind for the unexpected. (Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Pharmacy, vision and hearing savings:

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Rate Information:

This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Inerest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term “collected” means when we receive credit for items you deposit. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:

You must deposit $2,500.00 to open this account.

Account Fees:

$10.00 monthly service charge if minimum daily balance falls below $2,500.00 during a statement cycle. No service charge if minimum daily balance is $2,500.00 or greater during a statement cycle.

First Money Market

This is an investment checking account designed for personal and business use. Interest rates are determined by National and Area interest market trends. This account has limited check writing privileges and use of distinctive Money Market checks are required.

Rate Information:

This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily.
Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term “collected” means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:

You must deposit $1,000.00 to open this account. Use of personalized money market checks purchased through the bank are required. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees:

$6.00 monthly service charge if minimum daily balance falls below $1,000.00 during a statement cycle – no service charge if minimum daily balance is $1,000.00 or greater during a statement cycle, however, a per item charge of $6.00 will be assessed for each third party check or debit in excess of six (6) per
statement cycle.

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