First Rate

Earn more with tiered interest rates on this premium account.

First Rate Checking Features:

No initial deposit requirements¹
Benefit from higher interest rates on larger balances with tiered rates at the following levels: $2,499.99 & Under | $2,500.00–$9,999.99 | $10,000.00–$24,999.99 | $25,000.00 & Over²
Complimentary first set of checks (some restrictions may apply)
Unlimited check writing
No service charge if the average daily collected balance is at least $2,500.00 (if the average daily collected balance falls below $2,500.00, there is a $15.00 service charge per statement cycle)

Digital Banking Features:

Access your account anywhere with Online Banking or our convenient goBank Mobile App
Stay informed with real-time account alerts
Access to free Online Bill Pay³
Send and receive money with Zelle^®3,4
Deposit checks anywhere, anytime with Mobile Deposit
Access eStatements up to 18 months for easy record-keeping
Free 24/7 Telebanc (telephone banking)

Debit MasterCard^® Perks:

Access to nearly 40,000 surcharge-free ATMs nationwide with MoneyPass^®
Card Management alerts and controls
Easy and secure payments with Digital Wallet

View All Checking Options

Avoid Overdrawing Your Account:

Firstflex Link - connect your checking account to another deposit account. This automatic transfer is a safety net if you run short of money in your checking 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.
Firstflex Credit - a line of credit that is automatically accessed if your checking account has a negative balance. This service has a $25.00 annual fee, and interest is charged to the outstanding line of credit balance.

Contact your local Bank First office to begin utilizing these services today!

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.
²Fees could reduce earnings on the account. The interest rate and annual percentage yield for all tiers may change at our discretion at any time.
³Must be 18 years or older to utilize this service.
⁴Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

*Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What This Means for You: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.