Open an Account
An icon illustration of a check and a pen.

Personal Checking Accounts

We offer a variety of checking accounts to suit your personal needs with varying benefit levels, courtesy overdraft protection, and the exceptional service we’ve always been known for.

Open an Account

Our online account opening system makes it easier than ever to open an account.

We offer a variety of checking accounts to suit your personal needs with varying benefit levels, courtesy overdraft protection, and the exceptional service we’ve always been known for.

Open an Account

Our online account opening system makes it easier than ever to open an account.

Achieve Your Goals

Personal Checking Accounts

Personal Service & Support
Unlimited Transactions
Courtesy Overdraft Protection1 Secure Debit Mastercard®
Online & Mobile Banking
Mobile Check Deposit

Open an Account
  • Star Platinum Plus
  • Minimum opening deposit: $100
  • Monthly service charge: $5
  • Additional monthly minimum balance service charge: $7
  • Minimum balance requirement to avoid the minimum balance service charge: $1,500¹
  • Earns interest on $0.01 and above
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)
  • Benefits Package (contact us for more details)
  • Free cashier’s checks/money orders
  • Free first order of standard wallet checks
  • 10% discount on annual Safe Deposit Box rental

  • Star Platinum
  • Minimum opening deposit: $100
  • Monthly service charge: N/A
  • Additional monthly minimum balance service charge: $7
  • Minimum balance requirement to avoid the minimum balance service charge: $1,500¹
  • Earns interest on $0.01 and above
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)
  • Benefits Package (contact us for more details): N/A
  • Free cashier’s checks/money orders
  • Free first order of standard wallet checks
  • 10% discount on annual Safe Deposit Box rental: N/A

  • Star Plus
  • Minimum opening deposit: $100
  • Monthly service charge: $9
  • Additional monthly minimum balance service charge: N/A
  • Minimum balance requirement to avoid the minimum balance service charge: N/A
  • Earns interest on $0.01 and above: N/A
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)
  • Benefits Package (contact us for more details)
  • Free cashier’s checks/money orders
  • Free first order of standard wallet checks
  • 10% discount on annual Safe Deposit Box rental: N/A

  • Star
  • Minimum opening deposit: $100
  • Monthly service charge: $5
  • Additional monthly minimum balance service charge: N/A
  • Minimum balance requirement to avoid the minimum balance service charge: N/A
  • Earns interest on $0.01 and above: N/A
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)
  • Benefits Package (contact us for more details)
  • Free cashier’s checks/money orders: N/A
  • Free first order of standard wallet checks: N/A
  • 10% discount on annual Safe Deposit Box rental: N/A

  • e-Checking
  • Minimum opening deposit: $100
  • Monthly service charge: N/A
  • Additional monthly minimum balance service charge: N/A
  • Minimum balance requirement to avoid the minimum balance service charge: N/A
  • Earns interest on $0.01 and above: N/A
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay: $5.95/month
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)²
  • Benefits Package (contact us for more details): N/A
  • Free cashier’s checks/money orders: N/A
  • Free first order of standard wallet checks: N/A
  • 10% discount on annual Safe Deposit Box rental: N/A
  • 25%

  • Personal Checking Accounts
  • Minimum opening deposit
  • Monthly service charge
  • Additional monthly minimum balance service charge
  • Minimum balance requirement to avoid the minimum balance service charge
  • Earns interest on $0.01 and above
  • Secured chip-enabled Debit Mastercard
  • Free Online Banking & Mobile Banking
  • Free Bill Pay
  • Unlimited transactions
  • Overdraft privilege available
  • Monthly statements (mailed or e-statement)
  • Benefits Package (contact us for more details)
  • Free cashier’s checks/money orders
  • Free first order of standard wallet checks
  • 10% discount on annual Safe Deposit Box rental

  • Star Platinum Plus
  • $100
  • $5
  • $7
  • $1,500¹
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  • Star Platinum
  • $100
  • N/A
  • $7
  • $1,500¹
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  • Star Plus
  • $100
  • $9
  • N/A
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  • N/A
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  • Star
  • $100
  • $5
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  • N/A
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  • e-Checking
  • $100
  • N/A
  • N/A
  • N/A
  • N/A
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  • $5.95/month
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  • N/A
  • N/A
  • N/A
  • N/A
Fill 1

¹Waived if account holder is at least 50 years old when opening account
²e-Statements required

Don't take our word for it

I love First Bank because I have always felt important and taken care of! I have been with them for over 30 years. They have gone above and beyond to help with my needs.

Carol B. – Wichita Falls, Texas

First Bank is very easy to work with – they're a great team. I couldn’t imagine banking with anyone else.

Shawn C. – Carrollton

When I started looking for a loan, a friend recommended First Bank. I had such a good experience, I have since moved all my banking there.

Ruben R. – Wichita Falls, Texas

I know First Bank understands the amount of trust that has to exist between banker and customer.

Diana B. – Wichita Falls, Texas

Personal Banking Resources

Information provided by the FDIC about your financial health during the COVID-19 pandemic.

Helpful information provided by the FDIC about your financial health during the COVID-19 pandemic.

View Article

It’s easier than ever to join the First Bank family.

The First Bank Online Switch Kit allows you to easily transfer your recurring payments and direct deposits to your new First Bank checking account.

View Article

Forgot your password?

Instructions for resetting your online banking password.

View Article