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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 Easy Banking

    No need to fuss- banking really is easy with this Bank On Certified Account.

Personal Checking Options

Features

First Choice Rewards

First Choice Basic

First Choice Easy Banking

Minimum Deposit to Open

$50.00

$50.00

$25.00

Earns Interest

Yes, tiered per qualification

Yes

Not Applicable

Minimum Balance to Earn Interest

$0.00

$1,000.00

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

 Not Applicable

 Not Applicable

ATM Refunds

Up to $20.00 per Statement Cycle1

Not Applicable

Up to Five (5) ATM Transaction Service Charge refunds per Statement Cycle1

Other Account Benefits

  • Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size.
  • Free Box of Exclusive High Security Specialty Checks, 2 orders per year, 1 box per order.
  • Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size.
  • Free Box of Exclusive High Security Specialty Checks, 2 orders per year, 1 box per order.
  • Paper statement fee waived.
  • Insufficient/Uncollected Funds Charge, Dormant/Inactivity Fee and early closeout fee do not apply.
  • Age 60 and over receive 50% off any Safe Deposit Box except 10x10 size.

Requirement to Waive Monthly Service Charge

Not Applicable

Must have at least one of the below requirements:

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

Not Applicable

Monthly Service Charge if Requirements Not Met

No Monthly Service Charge

$6.00

$5.00

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

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Bank On  The First Choice Easy Banking account has received Bank On certification and ensures that everyone has access to a safe and affordable bank account.  This account is designed so that every individual and family has access to a simple checking account to process transactions and manage their finances.  Click here to learn more about Bank On.

 

Account Management Tools

 Account Services

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