Personal Checking Accounts

Firstbank offers a variety of checking accounts with a range of popular options such as:

Direct Deposit: Have Social Security checks, payroll checks or interest income from investments deposited directly into your account.
Online Banking: Check your balance, view and download your monthly statement, pay bills, track check card transactions, transfer funds and more.
CheckCard: Pay for goods and services electronically with a Firstbank CheckCard. Accepted almost anywhere, it’s also useable as an ATM card.
ATM Card: Get cash when and where you need it from ATM locations domestically or internationally.
Overdraft Protection: Give yourself a safety net with overdraft protection up to $300 for FirstFree Checking accounts and up to $500 for other checking accounts.

Here are the basic features of each of our primary checking accounts.

FirstFree Checking

Our most basic account includes these key features:

* No service fee or minimum balance requirements
* Unlimited check writing with free check safekeeping
* ATM & CheckCard2 with unlimited transactions
* Overdraft Protection
* Free online and phoneline banking 24/7
* eStatements required

Minimum Opening Deposit: All it takes is $25 to open your account today!

Rate Information: This account does not earn interest.

FirstPremium Checking

Keeping extra money in your account? Then you should get paid for it while enjoying many special benefits:

* Minimum balance to avoid fee $1,000 ($10.00 otherwise)
* Unlimited check writing with free check safekeeping
* ATM & CheckCard2 with unlimited transactions
* Overdraft Protection
* Free online and phoneline banking 24/7

Minimum Opening Deposit: Begin earning interest with your checking account today with only a $500 deposit. There is no minimum balance required to earn the Annual Percentage Yield.

3 Rate Information: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit funds into the account and will accrue to the day funds are withdrawn. At the bank’s discretion, rates are subject to change without notice.

FirstSenior Checking

This account is loaded with benefits for those 50 and better:

* Minimum balance to avoid fee $100 ($7.00 otherwise)
* Free personalized checks
* Unlimited check writing with free check safekeeping
* ATM & CheckCard2 with unlimited transactions
* Overdraft Protection
* Free online and phoneline banking 24/7
* Free single traveler’s checks and cashier’s checks
* 50% discount on safe deposit boxes

Minimum Opening Deposit: Start enjoying the privileges of a FirstSenior account today for only $100.

Rate Information: This account does not earn interest.

FirstInvestment Account

If you plan to maintain a higher balance, this account is structured to pay greater interest for higher deposits. You’ll also enjoy these exceptional benefits at no additional fee:

* Minimum balance to avoid fee $5,000 ($20.00 otherwise)
* Unlimited check writing with free check safekeeping
* ATM & CheckCard2 with unlimited transactions
* Overdraft Protection
* Free online and phoneline banking 24/7

Minimum Opening Deposit: Begin earning interest with your checking account today with only a $2,500 deposit. Balance Information: An average balance of $5,000 is required to avoid monthly service fees. There is no minimum balance required to earn the Annual Percentage Yield.

3 Rate Information: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. At the bank’s discretion, rates are subject to change without notice. The daily periodic rate is determined by the collected balance in the account each day according to the tier structure of the account.

Tier 1: $.00-$9,999.99
Tier 2: $10,000.00-$24,999.99
Tier 3: $25,000.00 and above

1 For additional information regarding our overdraft policy, click here or ask your Firstbank customer service representative.

2 Detailed CheckCard information and an application is available from a Firstbank customer representative.

3 For current interest rate information on our interest-earning checking accounts, speak with a Firstbank representative, call our automated phone banking system or click here.

For more than 80 years, Firstbank has been helping customers like you realize their personal financing priorities. Achieve what’s important. Put first things first. Contact your Firstbank personal checking representative today to open any of these accounts.