Earn a really high rate on your checking balance, and nationwide ATM withdrawal fee refunds*, with this free account.

Details:

• Free checking that pays high interest
  • 2.25% APY* on balances up to $20,000
  • 2.25% to 0.71% APY on balances over $20,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fees
• Free Online Banking and First Mobile Banking
• Free First Bank Debit Card
• $50 minimum deposit to open

Qualifications:

Earning rewards is easy. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle.

• At least 12 debit card purchase transactions
• Be enrolled in and agree to receive E-Statements
• Be enrolled in and login to Online Banking at least once per cycle 

Please note: Accountholder will automatically meet reward qualifications on their first cycle.

That's it! Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base interest rate. Plus, you can get right back to earning your full rewards the very next month.

Visit Us to Enroll

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking Day" means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations and enrollment instructions. All Kasasa accounts will cycle a statement on the last business day of the month.

Reward Information: You will receive reimbursements up to an aggregate total of $25.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.0499885453% resulting in an annual percentage yield of 0.05%APY and ATM withdrawal fees are not refunded. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle.

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $20,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates and rewards, if any, are variable and may change daily after account is opened without notice to you at our discretion. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information: This rate may change after account is opened. Rates and rewards, if any, are variable and may change after account is opened without notice to you. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50.00 minimum deposit is required to open the account. Monthly online banking, E-statements and 12 debit card purchases are conditions of this account(s). See accompanying schedule of Consumer Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, E-statements) and log-ons may be required to meet some of the account's qualifications. There are no recurring monthly maintenance charges or fees to open this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Get cash back on your debit card purchases - plus nationwide ATM withdrawal fee refunds* - with this rewarding free checking.

Details:

• Free checking that pays you back
• 4.00% cash back on debit card purchases*
  • No category restrictions on your purchases
  • Cash back earned up to $250 in purchases monthly
  • Earn up to $120 cash back per year, $10 per month
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fees
• Free Online Banking and First Mobile Banking
• Free First Bank Debit Card
• $50 minimum deposit to open

Qualifications:

Earning your rewards is simply. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle.

• At least 12 debit card purchase transactions
• Be enrolled in and agree to receive E-Statements
• Be enrolled in and login to Online Banking at least once per cycle

Please note: Accountholder will automatically meet reward qualifications on their first cycle.

It's just that easy. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Even more, you can get right back to earning your full rewards the very next month!

Visit Us to Enroll

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking Day" means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. All Kasasa accounts will cycle a statement on the last business day of the month.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 ($4.99 per single transactions) for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards. Rates and rewards, if any, are variable and may change daily after account is opened without notice to you at our discretion.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Monthly online banking, E-statements and 12 debit card purchases are conditions of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account per tax payer ID number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Enjoy refunds on your digital purchases from Amazon®, Apple iTunes®, and Google Play ™ every month! You'll also earn ATM withdrawal fee refunds, nationwide.*

Details:

• Free checking that pays you to shop online
• Earn $10 in refunds for Amazon®, Apple iTunes®, and Google Play™ purchases every month*
• Get $20 in refunds for Amazon®, Apple iTunes®, and Google Play™ purchases when you open your account*
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fees
• Free Online Banking and First Mobile Banking
• Free First Bank Debit Card
• $50 minimum deposit to open

Qualifications:

It's really simple to earn your rewards. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes account during each Monthly Qualification Cycle. 

• At least 12 debit card purchase transactions
• Be enrolled in and agree to receive E-Statements
• Be enrolled in and login to Online Banking at least once per cycle

Please note: Accountholder will automatically meet reward qualifications on their first cycle. Sign-up bonus download refunds expire after first 60 days. All other monthly download refunds expire 30 days after their issuance.

And if you don't meet these qualifications, don't worry - your account is still free. Plus, you can get right back to earning your full rewards the very next month. 

Visit Us to Enroll

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. "Banking Day" means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. All Kasasa accounts will cycle a statement on the last business day of the month.

Reward Information: When signing up with a Kasasa Tunes account First Bank will automatically credit you $20.00 that must be used within 60 calendar days for iTunes, Amazon.com or Google play purchases. If any portion of this bonus that is not used within the stated time period will be forfeited.  When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit  card and must post and settle to your account no more than one days after the Monthly Qualification Cycle in which you qualified ends. You will receive reimbursements up to an aggregate total of $25.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Tunes account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Tunes account qualifications are not met, iTunes, Amazon.com and Google Play purchases and ATM withdrawal fees are not refunded. iTunes, Amazon.com and Google Play purchase reimbursements and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Tunes account on the first processing/business day of the following statement cycle. iTunes, Amazon.com and Google Play purchases are refunded via a "grant" and "credit" process. On the last day of each Statement Cycle in which you qualify, we establish a refund "grant" of up to and including $10.00 for your account. Each "grant" is valid for up to and including 30 calendar days. All iTunes, Amazon.com and Google Play refunds are "credited" against your account's oldest active "grant". If the account is closed, you will forfeit any refunds grants that have not been credited to your account. Rates and rewards, if any, are variable and may change daily after account is opened without notice to you at our discretion. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Monthly online banking, E- statements and 12 debit card purchases are a conditions of this account.Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one account(s) per tax ID number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Trademarks: iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

Services:

Online banking, mobile banking, bill pay, debit card and e-statement.

BaZing Savings (Limited Access):

3 free deals from local merchants to save you money on shopping, dining, travel and more.

Limitations:

You must deposit $50.00 to open this account.

Account Fees:

$5.00 monthly service charge if minimum daily balance falls below $300.00 during a statement cycle. No service charge if minimum daily balance is $300.00 or greater during a statement cycle. Fee applies even in cases of no activity. Service charge is waived if you are 65 years of age or older or a full-time student up to age 24.

Services:

Online banking, mobile banking, bill pay, debit card and e-statement.

BaZing Savings:

Cell phone protection:
Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Identity theft protection:
Includes payment card protection, $2,500 in personal identity protection and identity theft aid. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Roadside assistance:
Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage:
Peace of mind for the unexpected. (Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Pharmacy, vision and hearing savings:
Save money on prescriptions, eye exams, frames, lenses and hearing services.

Limitations:

You must deposit $50.00 to open this account.

Limitations:

$6.00 monthly service charge posted at statement cycle time.

Services:

Online banking, mobile banking, bill pay, debit card and e-statement.

BaZing Savings:

Cell phone protection:

Receive up to $200 per claim ($400 per year) if your cell phone is broken or stolen. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Identity theft protection:

Includes payment card protection, $2,500 in personal identity protection and identity theft aid. (Cell phone protection and personal identity protection are subject to additional terms and conditions. Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Roadside assistance:

Available 24/7 and free to use, up to $80 in service charges.

$10,000 Travel accidental death coverage:

Peace of mind for the unexpected. (Insurance products are not a deposit, not FDIC insured, not an obligation or guaranteed by the bank, its affiliates, or any government agency.)

Pharmacy, vision and hearing savings:

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Rate Information:

This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Inerest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term “collected” means when we receive credit for items you deposit. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:

You must deposit $2,500.00 to open this account.

Account Fees:

$10.00 monthly service charge if minimum daily balance falls below $2,500.00 during a statement cycle. No service charge if minimum daily balance is $2,500.00 or greater during a statement cycle.

This is an investment checking account designed for personal and business use. Interest rates are determined by National and Area interest market trends. This account has limited check writing privileges and use of distinctive Money Market checks are required.

Rate Information:

This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information:

We use the daily collected balance to calculate the interest on the account. This method applies a daily periodic rate to the collected principal balance in the account each day. The term “collected” means when we receive credit for items you deposit. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations:

You must deposit $1,000.00 to open this account. Use of personalized money market checks purchased through the bank are required. You may make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees:

$6.00 monthly service charge if minimum daily balance falls below $1,000.00 during a statement cycle – no service charge if minimum daily balance is $1,000.00 or greater during a statement cycle, however, a per item charge of $6.00 will be assessed for each third party check or debit in excess of six (6) per statement cycle.