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Personal Checking Account Options

Personal checking with First Independent Bank is big enough to take care of business and small enough to take care of you.

Important Information About Procedures for Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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Re-Order Checks

Note that you must re-order from the company you originally placed your order with.

Harland Clarke         Bank A Count Corp.

Checking that works for you.

 

First PLUS Checking Club

First Advantage Checking

Investment Checking

Business First Checking

Business First Advantage

Minimum Average Balance

none

none

$1,500

$1,000

$3,000

Direct Deposit/Automatic Payment

X

X

X

X

X

VISA® ATM/Debit Card

X

X

X

X

X

No Fee ATMs

X

X

X

X

X

ATM Transactions

X

X

X

X

X

Free Wire Transfer Services

X

X

X

X

X

Interest Rates

none

none

Tiered and accrued on a
daily balance

none

none

First Plus Club Checking

  • Free or reduced cost checks
  • Safe deposit credit
  • Free money orders and cashier checks
  • Free travel cards and reloads
  • Free notary services
  • Free photo copies
  • No charge for wire transfers
  • $10,000 accidental death insurance
  • Prescription drug discount
  • Credit card registration
  • Up to 50% discount off hotels and motels
  • $6.00 per month (Waived for those 55 and older with a minimum $2500 balance)

First Advantage Checking

  • No minimum balance requirement
  • Unlimited check writing
  • Check images in monthly statement ($5.00 per month)

Investment Checking

  • Higher balances earn higher interest rates
  • Interest is accrued using the daily balance method and paid monthly
  • Unlimited check writing
  • Images of canceled checks returned with monthly statement
  • $7.50 monthly maintenance fee if $1500 average balance is not maintained

Business First Checking

  • For low volume transaction business accounts
  • Check images in monthly statement (No Charge)
  • $5.00 monthly maintenance plus $.10 per debit item if average balance is not maintained

Business First Advantage

  • Checking For high volume transaction business accounts
  • Check images in monthly statement (No Charge)
  • $10.00 monthly fee if average balance is not maintained
  • 100 checks paid per month; $.25 per check thereafter. 200 items deposited per month; $.15 per deposit thereafter

CHECKING/SAVINGS INTEREST RATES

CD/IRA INTEREST RATES

Lost or Stolen Card?

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Mortgages Made Simple

Our new online mortgage application makes buying and refinancing even easier.

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We’re proud to feature our 2024 calendar contest winners.

10 Alyson Swanson October 1st place t

Angie Sippel, 1st Place Winner, August

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Big enough to know business. Small enough to know You.

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