Checking Account Comparison

At Bank First, we offer a wide range of checking accounts designed to fit your unique needs and financial habits. Whether you prefer a basic account for everyday use or an interest-bearing option to maximize your balance, we have the right account for you.

Explore our checking account options

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!

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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	Yes⁷	Yes⁷
Earns Cash Back Rewards?	No	No	No	Yes³	No	No
Free Bill Pay	Yes⁸	Yes⁸	Yes⁸	Yes⁸	Yes⁸	Yes⁸
$15/Month ATM Fee Reimbursement	No	Yes	Yes	No	Yes	No
Send and Receive Money with Zelle®	Yes^6,8	Yes^6,8	Yes^6,8	Yes^6,8	Yes^6,8	Yes^6,8
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

Seamless Banking at Your Fingertips

We believe that managing your checking account should be convenient and hassle-free. That’s why we provide a suite of features to help you stay on top of your finances:

Digital Banking: Access your account anytime, anywhere.
Bill Pay Services: Pay your bills effortlessly and on time.
Debit Card: Make purchases and access cash with ease.
Overdraft Protection with Firstflex Credit and Firstflex Link: Safeguard against unexpected overdrafts.
Account Alerts: Stay informed with real-time notifications.

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.

Experience the convenience and flexibility of our checking accounts at Bank First. Open an account today and enjoy banking that fits your lifestyle.

¹Accounts 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.
²Primary 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 eStatements are required to qualify for this account. If a debit card is no longer active or if eStatements are switched to paper, Bank First reserves the right to convert the account into a Simply First account.
³Cash 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:

eStatements
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

⁴Primary 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 eStatements are required to qualify for this account. If direct deposit is discontinued, if a debit card is no longer active, or if eStatements are switched to paper, Bank First reserves the right to convert the account into a Simply First account. Exclusions may apply.
⁵Primary 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.
⁶Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
⁷Fees could reduce earnings on the account. The interest rate and annual percentage yield for all tiers may change at our discretion at any time.
⁸Must be 18 years or older to utilize this service.