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YOUR GO-TO CHECKING ACCOUNTS FOR GETTING AHEAD

FIRSTREWARDS CHECKING

FirstRewards checking. No minimum deposit or balance. No reason not to build interest.

With no minimum deposit or balance requirement, FirstRewards Checking can start rewarding you today. Start getting a higher rate of interest and stop paying out-of-network ATM fees.

FEATURES

  • Includes: Tiered interest rate on deposits
  • Includes: Refund on ATM fees – Fees for using non-FirstBank ATM’s will be refunded each month
  • Includes: Free Online Banking with Bill Pay
  • Includes: Free Mobile Banking
  • Includes: Free Debit Card
  • Includes: Unlimited check writing
  • Includes: Monthly imaged eStatements
OPENING DEPOSIT

$0; no monthly minimum balance required.

TIERED INTEREST

Tier 1: Daily balance $0 to $25,000 – 1.51% APY
Tier 2: Daily balance greater than $25,000 – 0.15% APY

A base rate of .01% is applied to all balances when qualifications are not met.

OTHER

Monthly Qualifications:

  • No monthly service charge.
  • Interest will be paid each qualification cycle if the following requirements are met:
    • At least 10 debit card purchases post and clear.
    • Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle.
    • Receive eStatement.
    • No minimum balance required to accrue interest.

*FirstRewards Checking: To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly. If an account holder chooses to opt-out of electronic statements, they are no longer eligible for this product and will be required to transfer to another product that does not require electronic statements. This account is only available to consumers. Limit of (2) FirstRewards accounts per primary account holder social security number.

To qualify for the higher interest rates: you must meet the following requirements during a statement cycle: 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; Non-FirstBank ATM fees are refunded each cycle.

Rate Information: A base interest rate of .01% with a .01% annual percentage yield (APY) is applied to all balances when qualifications are not met. The following FirstRewards interest rates are earned if all qualification requirements are met: Tier 1– An interest rate of 1.500% will be paid on the entire portion of your daily balance that is less than $25,000.01. The APY for this tier is 1.51%. Tier 2– An interest rate of 0.150% will be paid only for that portion of your daily balance that is $25,000.01 or more.  The APY for this tier will range from 1.51% to 0.15%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 03/01/2021. Rates are subject to change after the account is opened. Fees may reduce earnings.

Woman using a debit card for a mobile transation. Smiling and happy.
STORES HAVE ALARM SYSTEMS. SHOULDN’T YOUR DEBIT CARD?

FB Alerts, our new debit card fraud alert system, keep an eye on your transactions. If we see something unusual, we will ask you to confirm the purchase. You get a text asking if you made the purchase. You reply with a text back. It’s simple, quick and easy.

MORE ABOUT FB ALERTS

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