Checking & Savings

Discover the joy of personalized banking with our easy-to-pick range of checking and savings accounts! Whether you're saving for a bright future, navigating everyday expenses, or preparing for exciting life milestones, we've got you covered with convenient and secure solutions designed just for you. Our checking accounts ensure effortless access to your funds for daily needs, while our savings accounts boast competitive interest rates to help your savings flourish. Start your financial journey with us today, and watch your goals come to life! 

Personal Checking

• Checkmate* account has no minimum balance requirement. No monthly fees.
• Consumer Interest Bearing* requires a $500 opening deposit and credits interest monthly. If during any statement cycle the average daily balance falls below $500, your account will be subject to a $5 maintenance fee.
• Liquid Gold Account* is a premium checking account earning interest on tiered balances over $1,500. Interest is credited monthly. If the average daily balance falls below $1,500 in any month, your account will be subject to a $10 maintenance fee for free basic checks.
• A Health Savings Account* is available to pay medical expenses for those enrolled in a high-deductible health plan. It is an interest-bearing tiered checking account with no monthly maintenance fee. You may pay your bills with a Health Savings Account Debit Card. Certain rules apply.

Personal Savings

• Individual Passbook Savings* credits interest quarterly. If your balance falls below $50 on any day in the quarter or your average daily balance falls below $100 during any quarter, your account will be subject to a maintenance fee.**
• The Golden Passbook Savings Account* is a tiered-interest rate account that credits interest quarterly. You must maintain a minimum average daily balance of $500 to obtain the disclosed APY. Withdrawals are not permitted except during the ten-day grace period at the beginning of each quarter.***
• Silver Money Market Account* is a tiered interest rate account and credits interest monthly. You must deposit $1,000 to open this account. If your average daily balance falls below $1,000 during any statement cycle, your account will be subject to a maintenance fee. Interest earning starts at $25,000.
• Christmas Club* makes it easy to save for holiday shopping, a vacation, or special plans. Checks are distributed in October, and accounts may automatically renew.***  
• Certificates of Deposit* - Funds are kept in this account until the maturity date. Automatically renewable Certificates mature at regular intervals. Terms are available from 7 days to 5 years. Interest rates vary by Certificate term, and a minimum balance of $500 is required.
• IRA Certificate of Deposit* offer a secure planning tool for your retirement. Traditional and Roth are available. IRA Certificates are available for different terms. Interest rates vary according to the term of the Certificate. Specific rules apply.***\

*Please refer to complete account disclosures for all fees, terms, and conditions. Information and disclosures are available from First Bank Customer Service Representatives. **Waived for students (under 21) and seniors (over 62). ***Penalties apply for early withdrawal; fees could reduce the earnings on this account.

We encourage you to contact your local branch for individualized service and to find the perfect fit for your needs. All of our dedicated teams are here to assist you with personalized guidance and support.

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