Personal Banking - Checking & Savings
First Bank has just the right account for everyone! Whether you need a checking account for household expenses or a savings account for college tuition, we can assist you in finding the perfect fit. To learn more, select an account in the following list:
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.
Free Checking
Minimum deposit of $25.00 to open this account. No monthly service charge fee. This account cannot be interest-bearing. Checks will not be returned in monthly statement. Duplicate checks are required. $3.50 one-time setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $300.00**
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Advantage Checking
 Minimum deposit of $200.00 to open this account. A service fee of $10.00 will be assessed if the account balance falls below $500.00 any day of the statement cycle. This fee will not apply to non-profit organizations. This account cannot be interest-bearing. One free box of stock checks per year (design W-GYS or W-IP; does not include duplicates). No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $600.00**.
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Apple I Account
Available to school district employees. You must deposit $100.00 to open this account. No monthly service charge fee. This account cannot be interest-bearing. Checks will not be returned in monthly statement. Duplicate checks are required. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $300.00**.
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Apple II Account
Available to school district employees. You must deposit $100.00 to open this account. A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle. This account cannot be interest-bearing. One free box of bank stock checks (design W-GYS or W-IP) per year. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $600.00**.
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Student Checking
Minimum deposit of $100.00 to open this account. No monthly service charge fee. Students must be enrolled in 12 hours or more. This account cannot be interest-bearing. $3.50 one-time setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $250.00**.
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Gold Checking
Available to persons 62 years of age or older. Minimum deposit of $100.00 to open account. No monthly service charge fee. This account cannot be interest-bearing. Free unlimited bank stock checks (design W-GYS or W-IP; does not include duplicates). No setup fee for ATM or Visa® Debit card. Free Traveler’s Checks & Cashier’s Checks. Free balance inquiry, funds transfer, & statement printout. Free Notary service. Bounce Protection™ limit up to $300.00**.
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NOW Account
Available to Sole Proprietors. You must deposit $1,000.00 to open a NOW Account. A service fee of $15.00 will be imposed if the average daily balance* for the monthly statement cycle falls below $1,000.00. At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $1,000.00**.
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Platinum Checking
You must deposit $2,500.00 to open a Platinum Checking Account. This account is a tiered-rate account. Tier levels are categorized as: Less than $5,000 and More than $4,999.99. Your interest rate and annual percentage yield may change. A service charge fee of $15.00 will be imposed each monthly statement cycle if the average daily balance* for the monthly statement cycle falls below $5,000.00. Free unlimited bank stock checks (design W-GYS or W-IP; does not include duplicates). No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $1,000**.
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Money Market Account
Minimum deposit of $2,500.00 to open this account. A service fee of $15.00 will be assessed if the average daily balance* in the account falls below $2,500.00. An excess withdrawal fee of $15.00 will be charged for each debit transaction in excess of six during a month. At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $1,000.00**. Transaction limitations+.
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Future Fund Account
Minimum deposit of $20,000.00 to open this account. A service fee of $15.00 will be assessed if the balance in the account falls below $20,000.00 any day of the monthly statement cycle. An excess withdrawal fee of $15.00 will be charged for each debit transaction in excess of six during a month. At our discretion, we may change the interest rate on your account. Interest will be compounded every month. Interest will be credited to your account every month. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $1,000.00**. Transaction limitations+.
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High Yield Money Market Account
You must deposit $75,000.00 to open this account. This account is a tiered-rate account. Tier levels are categorized as: Less than $75,000; more than $74,999.99 but less than $100,000; more than $99,999.99 but less than $200,000; more than $199,999.99. Your interest rate and annual percentage yield may change. Interest will be compounded & credited to your account every month. Transaction limitations+.
A service charge fee of $15.00 will be imposed each monthly statement cycle if the daily balance falls below $75,000.00. An excess withdrawal fee of $15.00 will be charged for each debit transaction in excess of 6 during a statement cycle. No setup fee for ATM or Visa® Debit card. Bounce Protection™ limit up to $1,000.00**.
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Savings Account
Minimum deposit of $100.00 to open this account. A service fee of $2.00 will be assessed if the average daily balance for the quarterly statement cycle falls below $100.00. An excess activity fee of $2.00 will be charged for each debit transaction in excess of 3 during a quarter. At our discretion, we may change the interest rate on your account at any time. Interest will be compounded every quarter. Interest will be credited to your account every quarter. Transaction limitations+.
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“Cash Cow” Children’s Savings Program
Minimum deposit of $5.00 to open this account. No monthly service charge. An excess activity fee of $2.00 will be charged for each debit transaction in excess of 3 during a quarter.  At our discretion, we may change the interest rate on your account. Interest will be compounded every quarter and will be credited to your account every quarter. Transaction limitations+.
Account holder will receive account register for maintaining account balance. Register cover & Cash Cow memo pad will also be provided. As deposits are made, bank teller will stamp Cash Cow memo pad with a Cash Cow stamp. Must bring memo pad with each deposit. Savings sticker given with each deposit. Prizes given when 3, 6, 10, 15, 25, 50, 75, & 100 stamps (representing deposits) have been received. Prizes awarded are at bank’s discretion & may vary.
Loose change must be rolled in coin wrappers prior to making deposit. Coin wrappers available free of charge at First Bank. One deposit allowed per day.
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 We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items, such as checks. Interest will be compounded and credited to your account every month on a checking account or quarterly on a savings account.
Your interest rate and annual percentage yield (APY) may change. The bank may change the interest rate on your account at any time, at our discretion.
The average daily balance is calculated by adding the principal in the account for each day of the period dividing that figure by the number of days in the period.
Bounce Protection™ is an overdraft privilege requiring no action on your part. You can access your Bounce Protection™ through any teller, ATM, First Bank Visa® Debit card purchase, checks issued to a third party, any pre-authorized debit, or other electronic means. You should note that your Bounce Protection™ limit will be included in your available balance provided by a teller, ATM machine, Visa® Debit card, Online Banking, or our 24-hour ACCESS phone line. You will be charged a $25.00 NSF fee for each item paid under the Bounce Protection™ limit. You should make every attempt to bring your account to a positive balance within 30 days. See our new account representatives for more details regarding this service. Visit this page for more information.
+ Transfers to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to 6 per month with no more than 3 by debit card or similar order to third parties. Payments to a First Bank loan are not counted toward this limit. Other transfers not included within the 6 transfers are: telephone transfer, debit card/POS, checks, online transfer, and ACH debit transactions. We do not recommend using this account for bill payment purposes. If you exceed these restrictions, you may incur service charges and federal law requires us to close your account for repeated violations.
Click here to read about Electronic Funds Transfers: Your Rights and Responsibilities
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