YOUR GO-TO CHECKING ACCOUNTS FOR GETTING AHEAD
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.
- Tiered interest rate on deposits
- Refund on ATM fees – Fees for using non-FirstBank ATM’s will be refunded each month
- Free Online Banking with Bill Pay
- Free Mobile Banking
- Free Debit Card
- Unlimited check writing
- Monthly imaged eStatements
$0; no monthly minimum balance required.
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 .05% is applied to all balances when qualifications are not met.
- 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.
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. Qualification Requirements-To qualify for Reward interest rates, you must meet the following requirements during a qualification cycle: 10 settled debit card point of sale (POS) transactions per Qualification cycle. ATM transactions do not count towards the required 10 settled transactions. One (1) monthly automated clearing house (ACH) debit or ACH credit. Rate Information-A base interest rate of .05% with a .05% annual percentage yield (APY) is applied to all balances when qualifications are not met. The following Reward interest rates are earned if all qualification requirements are met: Tier 1- Balances of $0.00 up to $25,000.00 earn 1.51% annual percentage yield (APY). Tier 2- Balances above $25,000.00 earn 0.15% APY. You may make an unlimited number of deposits into your account. Check writing is unlimited with no per check fee assessed. Refund of fees for automated teller machine (ATM) usage. Limit to (2) two accounts per household. Applicant must be 18 years of age or older to open an account. Applicants under the age of 18 applying for a checking account must have an adult co-owner (18 years of age or older) on the account. Rates are subject to change. APY is accurate as of 2/26/18. Fees may reduce earnings.
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.