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 or Illinois 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.*

FNBT Customers: Welcome! If you are joining us through the merger with FNBT, there is no need to open a new account. Your existing account will automatically transition to a Bank First account in May. If you would still like to open a Bank First account before then, please note that in-person transactions at FNBT offices will not be available until May 18, 2026. However, you'll still have access to Bank First's convenient digital banking services.

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!