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Personal Checking Accounts

We offer a variety of checking accounts to suit your personal needs, with varying benefit levels and our courtesy overdraft protection.

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Our Checking Account Offerings

  • Interest Checking (NOW Account)

    Minimum to open: $100

    • Maintain a balance of $750 and above, no monthly service fee
    • If balance falls below $750 on any day, $5 monthly service fee
    • First 25 transactions are free; $0.20 per transaction thereafter
    • $1 fee for each ATM withdrawal not made at a First Bank ATM
    • Earns interest on balances above $0.01**
    • Debit card with no annual fee
    • Free Online Banking
    • Free Bill Pay
    • Imaged statement monthly
    • No charge for cashier’s checks or money orders
    • Free notary service
    • $500 Optional courtesy overdraft protection*
    Get Started

    **Please contact us for current rate information. Rates subject to change.

  • Club Account

    Minimum to open: $100

    Our Club Account offers our greatest variety of benefits for First Banking checking customers.

    • $8.75 monthly service fee for club benefits listed below in the Additional Club Benefits section
    • $1 fee for each ATM withdrawal not made at a First Bank ATM
    • Debit card with no annual fee
    • Unlimited transactions/items
    • Free Online Banking
    • Free Bill Pay
    • Non interest-bearing account
    • No minimum balance requirement to avoid a monthly service fee
    • Imaged statement monthly
    • Free notary service
    • No fee for withdrawals at First Bank ATMs
    • First order of bank stock, wallet checks free
    • No charge for cashier’s checks or money orders
    • $500 Optional courtesy overdraft protection*

    Additional Club Benefits Include:

    • $20,000 AD&D Insurance (Accidental Death and Dismemberment) **
    • $40,000 Common Carrier Insurance **
    • Identity IQSM, Identity Theft Protection
    • Identity Theft 911TM
    • Shopping, travel, and entertainment discounts with Easy Saver TM
    • Prescription and Eyewear Discounts
    Get Started

    ** Insurance benefits included in this account are subject to policy eligibility, terms, and exclusions. It is not insured by any Federal government agency. There is no financial institution guarantee, and is not a deposit account.

  • First Checking Account

    Minimum to open: $100

    • Maintain a balance of $500 and above, no monthly service fee
    • If balance falls below $500 on any day, $5 monthly service fee
    • $1 fee for each ATM withdrawal not made at a First Bank ATM
    • Debit card with no annual fee
    • Free Online Banking
    • Free Bill Pay
    • Non interest-bearing account
    • Unlimited transactions / items
    • Imaged statement monthly
    • No fee for withdrawals at First Bank ATMs
    • $500 Optional courtesy overdraft protection*
    Get Started

  • First Class Checking Account

    Minimum to open: $100. Minimum age of 50 or above required.

    • No monthly service fee
    • No minimum balance requirement to avoid monthly service fee
    • $1 fee for each ATM withdrawal not made at a First Bank ATM
    • No fee for withdrawals at First Bank ATMs
    • Earns tiered interest rates on balances above $0.01
    • Unlimited transactions / items
    • Debit card with no annual fee
    • Imaged statement monthly
    • First order of bank stock, wallet checks free
    • Free Online Banking
    • Free Bill Pay
    • Free notary service
    • No charge for cashier’s checks or money orders
    • 10% Discount on first year’s safe deposit box rental (Based on availability)
    • $500 Optional courtesy overdraft protection*

    Club benefits listed below are available on this account for a discounted monthly fee of $5

    • $5 monthly service fee for Club benefits.
    • $20,000 AD&D Insurance (Accidential Death and Dismemberment)**
    • $40,000 Common Carrier Insurance **
    • Identity IQSM, Identity Theft Protection
    • Identity Theft 911TM
    • Living Family Journal, shopping, travel, and entertainment discounts with Easy SaverTM
    • Prescription and eyewear discounts
    Get Started

    ** Insurance benefits included in this account are subject to policy elgibility, terms, and exclusions. It is not insured by any Federal government agency. There is no financial institution guarantee, and it is not a deposit account.

  • EChecking Account

    Minimum to open: $100

    • Enrollment in Online Banking and E-Statement required
    • $1 fee for each ATM withdrawal not made at a First Bank ATM
    • Debit card with no annual fee
    • Unlimited transactions / items
    • Non interest-bearing account
    • No fees for withdrawals from First Bank ATMs
    • No minimum balance requirement to avoid a monthly service fee
    • No monthly service fee
    • Free Online Banking
    • $300 Optional courtesy overdraft protection*
    Get Started

    Bill Pay is available for an additional fee.

  • *Courtesy Overdraft Privilege Program

    First Bank offers a courtesy overdraft privilege program on select checking accounts. These accounts must be open and held in good standing for a minimum of thirty (30) days to qualify for this privilege.

    Good account management is the most cost-effective way to protect your money. Avoid using the Courtesy Overdraft Protection Privilege as short term loans – they are very costly. You can link your checking account to any savings account, money market account, or other checking account that you have with First Bank to use as Overdraft Protection and avoid paying costly overdraft fees. (Regulations restrict withdrawals on savings and money market accounts to other accounts and third parties to 6 debit transactions per month.)

    We may authorize and pay overdrafts for the following types of transactions: checks, automatic bill payments, ACH payments, Bill Pay items, and other transactions using your checking account number. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay them. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

    Our Non-Sufficient / Overdraft (NSF/OD) fee charges are based on the daily ending balance of your account, before payment of any overdraft fees. The following fees* will apply if the negative ending balance in your account is:

    $0.01 thru $1.00 – No Charge $1.01 thru $10.00 - $10.00 per overdraft item $10.01 and above - $30.00 per overdraft item

    For example: Suppose you forgot you only had $15 in your account, and you wrote a check for $25 for gas and then another check for $30 to buy groceries. In these two transactions you’ve spent a total of $55, and overdrawn your account by $40 ($55-$15=$40). If you have our Courtesy Overdraft Privilege Program, First Bank may decide to cover both transactions; however, each of the overdrafts will trigger a fee. You will owe First Bank the $40.00 you spent even though it wasn’t in your account, plus the two overdraft fees. If your overdraft fees in this instance are $30 for the $25 check and $30 for the $30 check, you will owe First Bank $100 ($40+$30+$30=$100). Another example would be if you have a balance of $5 in your account. You make four purchases to iTunes for $3 each. In these four transactions you have spent a total of $12, and overdrawn your account by $7 ($5-$3-$3-$3-$3=$7). If you have our Courtesy Overdraft Privilege Program, First Bank may decide to cover all four transactions; however three of those transactions will trigger a fee. You will owe First Bank the $7 you spent even though it wasn’t in your account, plus the three overdraft fees. Each of the overdraft fees in this instance are $10, so you will owe First Bank a total of $37 ($7+$10+$10+$10=$37).

    • The daily NSF/OD limit charged per Consumer account will be $150.00
    • The daily NSF/OD limit charged per Commercial account will be $600.00
    • The Courtesy Overdraft Limit will include all overdraft fees
    • If your account remains continuously overdrawn for a period of 5 business days, you will also be assessed a $3.00 per business day overdraft fee beginning on the 6th business day until your account is brought to a positive balance status.

    First Bank’s payment order (order items clear in your account) helps reduce possibility of excess fees. Please ask any Customer Service Rep. for additional information on our payment processing procedures.

    Opting out of this program will not alleviate the possibility of incurring any NSF/OD charge (fee). Any advance of funds to cover the amount of the NSF/OD item(s) in addition to the NSF/OD charge (fee) must be paid back immediately. If your account balance is not brought back to a positive balance within 30 calendar days from the date of the overdraft, First Bank retains the right to remove any Courtesy Overdraft Privilege that you may have on your account, as well as the right to close your account.

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