Investment Savings

Perfect for those seeking high-yield returns with minimal debit transactions.

Investment Savings Features:

$50,000.00 initial deposit requirement¹
Earns competitive variable interest rate (interest compounded quarterly)²
Benefit from higher interest rates with tiered rates at the following levels: $49,999.99 & Under | $50,000.00–$149,999.99 | $150,000.00–$249,999.99 | $250,000.00-$499,999.99 | $500,000.00-$999,999.99 | $1,000,000.00 & Over
An active Bank First checking account with direct deposit is required
Limit three (3) debit transactions (withdrawal or transfer) per quarterly statement cycle. Debit transactions in excess of this limit will each be assessed a $25.00 fee

Digital Banking Features:

Access your account anywhere with Online Banking or our convenient goBank Mobile App
Deposit checks anywhere, anytime with Mobile Deposit
Access eStatements up to 18 months for easy record-keeping
Free 24/7 Telebanc (telephone banking)

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 checking 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 Savings Options

Make Saving Easy!

Set up automatic transfers from your Bank First checking account to your savings account.

Login to Bank First Digital
Navigate to Transfers > Internal Transfers from the main menu
Choose the account you wish to withdraw from and the account you would like to deposit into
Enter the amount and select your schedule preference (recurring)
Choose your frequency (weekly, monthly, etc.), start date, and duration
Select "Continue" to review and complete your transfer

You can review, edit, or delete your scheduled transfers at anytime in Transfers > Transfer Activity.

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 $30.00 per quarter.
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.

*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.