Checking Accounts - Bank First

	Simply First	Student First²	Senior First⁵	First Rewards	Military First⁴	First Rate
Minimum Deposit to Open	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Free 1st Order of Checks (some restrictions may apply)	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)

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 If a debit card is no longer active or if eStatements are switched to paper, Bank First reserves the right to convert the account into a Simply First account.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 If direct deposit is discontinued, if a debit card is no longer active, or if eStatements are switched to paper, Bank First reserves the right to convert the account into a Simply First account.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.

*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.

Checking Account Comparison

Explore our account options:

Simply First Checking

Student First Checking

Senior First Checking

First Rate Checking

First Rewards Checking

Military First Checking

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