Checking Account Comparison

Bank First has a full array of checking accounts and convenience products available to fit your needs. We have non-interest bearing and interest bearing checking accounts from which to choose. With so many options, you’re sure to find what you’re looking for!

Open a Bank First checking account

Existing Bank First customers may open an account by contacting their local office. If you are new to Bank First, please visit a nearby location to get started today!

View Current Deposit Rates Order Checks

Comparison table of checking accounts.
	Simply First	Student First	Senior First	First Rewards	Military First	First Rate
Minimum Deposit to Open	$0.00	$0.00²	$0.00⁵	$0.00	$0.00⁴	$0.00
Free 1st Order of Checks	Yes	Yes	Yes	Yes	Yes	Yes
Free Checks (some restrictions may apply)	No	No	Yes	No	Yes	No
Minimum Balance to Avoid Service Charge	No minimum¹	No minimum¹	No minimum¹	$2,500.00^1,³	No minimum¹	$2,500.00¹
Earns Interest?	No	No	No	No	Yes⁸	Yes⁸
Earns Cash Back Rewards?	No	No	No	Yes³	No	No
Free Bill Pay	Yes	Yes	Yes	Yes	Yes	Yes
$15/Month ATM Fee Reimbursement	No	Yes⁷	Yes⁷	No	Yes⁷	No
Send and Receive Money with Zelle®	Yes⁶	Yes⁶	Yes⁶	Yes⁶	Yes⁶	Yes⁶
Unlimited Check Writing?	Yes	Yes	Yes	Yes	Yes	Yes
Monthly Service Charge	$0.00	$0.00	$0.00	$10.00³	$0.00	$15.00 (if minimum balance is not met)
Learn More	Simply First	Student First	Senior First	First Rewards	Military First	First Rate

Avoid Overdrawing Your Account

Firstflex Credit

Avoid the embarrassment of an overdraft with Firstflex Credit - a line of credit that is automatically accessed if your checking account has a negative balance. There is a $25 annual fee for this service and interest is charged on the outstanding balance of the line of credit.

Firstflex Link

Connect your checking account to another deposit account using our Firstflex Link product. This automatic transfer is a safety net in case you run short on money in your checking account. This service may avoid having the embarrassment of overdrawing your account.

Draws will occur in $100.00 increments. For example, if your checking account drops below zero by $5.00, a $100.00 deposit from your savings or money market account will be transferred into your checking account. There is a $10.00 fee per transfer.

See one of our Customer Service Representatives today to open the checking account of your choice!

Accounts that are inactive (no deposit or withdrawals) for more than 12 months AND have a balance of less than $100.00 will incur an Inactive Account Fee of $3.00 per month.
Primary owner on the account must be 14 years or older to qualify. Customers under the age of 18 are required to have a parent/guardian as joint owner on the account. This account will automatically convert to a Simply First account when the primary account holder reaches the age of 24. An active debit card and e-statements are required to qualify for this account. If a debit card is no longer active or if e-statements are switched to paper, Bank First reserves the right to convert the account into a Simply First account.
Cash Back is defined as a statement credit. 5.00% Cash Back earned on up to $200 in debit card purchases per statement cycle. Maximum cash back is $10.00 per statement cycle. $10.00 monthly maintenance fee, which can be avoided by having all of the following:
- E-Statements
- Direct deposit or Mobile Deposit of $500 or more per statement cycle
- Online Banking or goBank
- Active debit card
- Minimum of $2,500 in combined average available deposit balances
Primary owner on the account must be 18 years or older to qualify and must show Military ID at account opening. Direct deposit, an active debit card, and e-statements are required to qualify for this account. If direct deposit is discontinued, if a debit card is no longer active, or if e-statements are switched to paper, Bank First reserves the right to convert the account into a Simply First account. Exclusions may apply.
Primary owner on the account must be 62 years or older to qualify. Direct deposit is required to qualify for this account. If direct deposit is discontinued, Bank First reserves the right to convert the account into a Simply First account.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Excludes any ATM owner usage fees.
Fees could reduce earnings on the account. The interest rate and annual percentage yield for all tiers may change at our discretion at any time.