Personal Banking

Checking Accounts

We offer a full line of checking accounts designed to meet your individual needs and help you better manage your money. Our accounts are customized for your convenience.

FIRST Rewards Checking

This account is the perfect way to reward yourself with the benefits you deserve.

BENEFITS

  • Earn 3.00% APY on balances from $1 to $25,000
  • FREE - No service charge or minimum balance required
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • FREE 1ST Ready Online Bill Payment
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $100 deposit to open account
  • Check images not returned

Three Easy Requirements to meet each statement cycle:

  • Receive one direct deposit or ACH credit
  • Make 12 electronic transactions for everday purchases
  • Receive an e-statement instead of a paper statement

In a statement cycle when minimum requirements are met 3.00% APY (Annual Percentage Yield), is paid on balances from $0.01 to $25,000.00 and 0.20% APY is paid on balances above $25,000.01. Available for Personal accounts only, two per household. APY may change at any time after account is opened. APY as of April 1, 2010. See bank for details.

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FIRST Choice Free Checking

With no monthly service charges and no minimum balance required, this checking account is first choice.

BENEFITS

  • FREE - No service charge
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $100 deposit to open account
  • Check images not returned

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PERSONAL Checking

This basic checking account helps you take control of your financial management with care and convenience.

BENEFITS

  • No service charge - Balances of $750 and over
  • Balances under $750 - $10 monthly
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • FREE 1ST Ready Online Bill Payment
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $100 deposit to open account
  • Check images are returned with your statement

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FIRST Freedom Club (For persons age 55 and over)

With age come wisdom and benefits - our interest bearing checking account gives you freedom and convenience.

BENEFITS

  • No service charge - Balances of $100 and over
  • Balances under $100 - $3 monthly, no interest paid*
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • FREE 200 personalized checks per year
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $100 deposit to open account
  • Check images are returned with your statement

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Student FREEChecking

Designed just for students, this account has all the conveniences you need for your busy schedule.

BENEFITS

  • FREE - No service charge
  • FREE - 50 personalized checks
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $50 deposit to open account
  • Check images not returned

If you are under 18 years old, a parent or guardian is needed to open a checking account. Must be 18 to receive a debit card.

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NOW Checking

Optimize your checking account with the power to earn interest.

BENEFITS

  • No service charge - Balances of $1,000 and over
  • Balances under $1,000 - $9 monthly and $0.25 per check above 25
  • Balances over $500 - Interest compounded and paid monthly*
  • Balances under $500 - $12 monthly, no interest paid
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • Overdraft Privilege offered to eligible accounts**
  • Minimum $250 deposit to open account
  • Check images are returned with your statement

Corporations, associations and partnerships are not eligible for this account.

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A-1 MONEY Fund Accounts

This account gives you first-rate earning power to reach your financial goals.

BENEFITS

  • No service charge - Balances of $1,000 and over
  • Balances over $1,000 - Interest compounded and paid monthly*
  • Balances under $1,000 - $10 monthly, no interest paid
  • Limit 6 transactions - transactions over 6, $10 each
  • FREE 1ST Ready VISA Debit Card
  • FREE 1ST Ready Online Banking
  • Minimum $2,500 deposit to open account
  • Check images not returned

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Contact any of our banking center locations or email us + for more information about our checking accounts.

+Please do not send confidential information (such as your social security number, account numbers and other account information) in Internet email.

*The annual percentage yield is subject to change.

**Overdraft Privilege - Eligible accounts include those with an average daily balance amount of $300 within the first 30 days of opening an account and we will award with overdraft privilege. Rather than returning an item unpaid, we will consider payment of your reasonable overdraft up to $700, depending on your account. Non-sufficient funds/overdraft fees include: $29 per overdraft item and $10 for every five consecutive days overdrawn. These fees will apply to any transaction created by check, in-person withdrawal, ATM withdrawal or other electronic means that may overdraw your account. The amount of any overdrafts plus our non-sufficient funds and/or overdraft charge(s) that you owe us shall be payable upon demand. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds.

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