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Personal Checking

Checking accounts are personal. Pick the one that fits you best. We're here for you if you have questions.

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We offer three Personal Checking Accounts

  • First Choice Rewards

    Rewards? Yes please. Earn high interest and Nationwide ATM fee refunds.

  • First Choice Basic

    Basic doesn’t have to be boring with our free tools and services to manage your finances.

  • First Choice e-Checking

    Go green with an all-electronic account. (You can still write a check if you miss it.)

Personal Checking Options


First Choice Rewards

First Choice Basic

First Choice e-Checking

Minimum Deposit to Open




Earns Interest

Yes, tiered per qualification


Does Not Earn Interest

Minimum Balance to Earn Interest



Not Applicable

Qualifications to Earn Interest

Each Monthly Statement Cycle:

  • Have at least 10 Debit Card Purchases Post and Settle
  • Have at least 1 Direct Deposit, Bill Pay Transaction, or Automatic Payment (ACH) Post and Settle
  • Be Enrolled and Receive eStatements

 No qualifications to earn interest

 Not Applicable

ATM Refunds

Up to $20.00 per Statement Cycle1

Not Applicable

Up to Five (5) ATM Transaction Service Charge refunds1

Requirement to Waive Monthly Service Charge

No Monthly Service Charge

Must have at least one of the below requirements:

  1. $2,500.00 Minimum Average Daily Balance
  2. $25,000.00 in Deposit Accounts
  3. Any Active Loan with same Tax ID Number
  4. Age 24 and under
  5. Age 60 and over
  6. Receive Monthly Direct Deposit into account

No Monthly Service Charge

Monthly Service Charge if Requirements Not Met

No Monthly Service Charge


No Monthly Service Charge

1 ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher.

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Account Management Tools

 Account Services


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