First Rewards

Earn up to 5% cash back each month!

First Rewards Checking Features:

No initial deposit requirements¹
Earn 5% Cash Back (up to $10.00) on the first $200.00 in debit card purchases per statement cycle²
$10.00 service charge per statement cycle, which can be avoided by having all of the following:
- eStatements
- Direct Deposit or Mobile Deposit of $500.00 or more per statement cycle
- Online Banking or goBank
- Active debit card
- A minimum of $2,500.00 in average available balance from combined deposit accounts
Complimentary first set of checks (some restrictions may apply)
Unlimited check writing

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

Ready to Open an Account?

Apply online or visit a nearby location to get started with personal support. Existing Bank First customers may also open an account within digital banking. (Login)

To Apply Online, You Must Be 18 years or older and a legal resident of the United States. New applicants must be Wisconsin residents and provide a physical address (PO boxes cannot be used).

What You'll Need for Each Applicant: Social Security Number, valid government-issued photo id (such as a Driver’s License), and physical address.*

Looking to add a savings or money market account? Easily edit your cart once you begin your application.

For your convenience, you can save your progress and return anytime. The application is designed to be simple and works from your phone, tablet, or desktop.

APPLY NOW 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.
²Cash 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.
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.