Checking Accounts

Money Management Tools That Fit Your Lifestyle

Paychecks in. Mortgage payments out. Monthly, weekly, quarterly expenses. No matter what your money management and cash flow challenges, we offer personal checking solutions that fit – interest-bearing, zero-fee and low-minimum balances.

  FREE
Basic Checking
FREE
easyGROW Checking
FREE
easyJAMS Checking
Premium Checking
Description Provides both economy and convenience, allowing you to add the features you want. A FREE high-yield account that offers ATM fee refunds when three qualifications are met each cycle.1 A FREE account that offers iTunes® and ATM refunds when two qualifications are met each cycle.2 Provides interest and added benefits for the customer who has additional relationships with us or who maintains higher balances.
Minimum Balance $0 $0 $0 $20,000 combined balance of personal loans and/or deposits
Monthly Service Charge None None None $10 if your combined balance falls below $20,000
Interest None Yes - HIGH YIELD! None Yes
ATM Withdrawals FREE3 FREE3 FREE3 FREE3
Additional Features


 or download an application and drop it off at the nearest location.
 

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Stop by any location or order online.
 


1Annual Percentage Yield (APY) for an easyGROW Checking account is accurate as of 12/27/2012 and is subject to change. This is not a teaser rate. Minimum deposit to open is $100. For qualifying accounts, 1.01% APY will be paid on the portion of your balance up to and including $24,999.99, and 0.25% APY will be paid on the portion of your balance $25,000.00 and above during the qualification cycle. If you do not meet the requirements during the qualification cycle, 0.05% APY will be paid on your total balance for that statement cycle and you will not receive ATM fee refunds. easyGROW Checking is only available to residents of Iowa, Minnesota, Nebraska, North Dakota and South Dakota; limit one account per primary account holder.

2The bonus and rewards described are current as of 8/17/2010. Sign-up Bonus is granted when you open a new easyJAMS Checking account and expires 60 days later. iTunes rewards are granted when the qualifications are met during the qualification cycle and expire 30 days later. Sign-up Bonus and iTunes rewards are credited to your account in a lump sum at the end of the qualification cycle in which you purchase downloads at the iTunes Store with your First Bank & Trust Visa® Debit card. In order to receive the full Sign-Up Bonus and monthly iTunes rewards, you must have enough money in your account to make these purchases. ATM fee refunds are also credited to your account at the end of the qualification cycle. If you do not meet the qualifications, iTunes rewards will not be granted, and you will not receive ATM fee refunds for that cycle. easyJAMS Checking is only available to residents of Iowa, Minnesota, Nebraska, North Dakota and South Dakota; limit one account per primary account holder.

3The owner of the ATM may charge an additional fee except at all MoneyPass® locations.

4Ask your account representative for information and fees on the programs available.

5We do not charge a fee for Online Banking or Mobile Banking. However, we do charge a fee for Mobile Deposit: $0.50 per check for deposits utilizing the Mobile App and $0.50 per deposit for deposits utilizing a flatbed scanner.

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