*APY = Annual Percentage Yield.
¹FirstRewards $300 Welcome Bonus: To be eligible for the $300 Welcome Bonus, customers must open a new FirstRewards $300 Welcome Bonus Campaign Checking account with FirstBank debit card from June 15, 2026-September 15, 2026. The customer has until December 31, 2026, to meet the qualification requirements for the $300 Welcome Bonus. To qualify for the $300 Welcome Bonus, eligible customers must meet the following requirements: 1.) Open a FirstRewards $300 Welcome Bonus Campaign Checking account with a FirstBank debit card by September 15, 2026; 2.) Post and settle a total of $1,000.00 or more in direct deposits into the account during a statement cycle by December 31, 2026; 3.) On the last day of the statement cycle in which the qualifying direct deposit requirements are met, the current account balance must be $1,000.00 or above. The $300 Welcome Bonus will be credited to the account on the last business day of the statement cycle once all three requirements are met. Requirements must be met on or before December 31, 2026. Bonus Offer Eligibility: Business customers and existing consumer checking customers are not eligible for this promotion. Customers who previously held a FirstBank consumer checking account may be eligible for bonus offer if the FirstBank consumer checking account has been closed for at least one (1) year or longer. This offer is non-transferable and may not be combined with any other offers. This offer may be modified or withdrawn at any time without notice. Enrollment and participation in this promotion does not automatically guarantee eligibility. Limit one (1) bonus per primary account holder social security number. Bonuses may be subject to IRS 1099 MISC reporting. Consult a tax advisor.

FirstRewards Checking Qualifications: To be eligible for a FirstRewards Checking account, customer must receive account statement electronically (e-statements) monthly. If an account holder chooses to opt-out of electronic statements, they are no longer eligible for the product and will be required to transfer to another product that does not require electronic statements. ²To Qualify for the Higher Interest Rates: Customer must meet the following requirements during a statement cycle: Ten (10) debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and one (1) monthly automated clearing house (ACH) debit or ACH credit. The FirstRewards statement cycle will begin on the first business day of each month and end on the last business day of each month. This account is only available to consumers. Limit of two (2) FirstRewards accounts per primary account holder social security number. Non-FirstBank ATM fees are refunded each cycle. Rate Information: A base interest rate of .01% with a .01% APY is applied to all balances when FirstRewards Checking qualifications are not met. The following FirstRewards interest rates are earned if all qualification requirements are met: Tier 1- An interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 1.51%. Tier 2- An interest rate of 0.55% will be paid only for that portion of your daily balance that is above $25,000.00. The APY for this tier will range from 1.51% to 0.79%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 03/16/2025. Rates are subject to change after the account is opened. Fees may reduce earnings.