Life changes fast. Your checking account should keep up.
At First Bank, checking accounts are simple. Opening an account is easy. And switching comes with a Bonus. Open your account in minutes, online or at a branch in Missouri, Illinois, California, or Kansas, and get easy access to eBanking and a First Bank Debit Mastercard®. Manage your money instantly: pay bills, deposit checks, transfer balances, and save with confidence.
Meet the requirements and complete these simple steps for the Bonus Offers:†,1,2,3
- Open a new Icon, Inspire, or Imagine Checking account and use promo code SWITCH2FB.
- Ensure that Direct Deposits totaling the amounts below post to your account within 60 days of account opening:
- Icon Checking $500 Bonus1: Total of $5,000 or more
- Inspire Checking $300 Bonus2: Total of $500 or more
- Imagine Checking $100 Bonus3: Total of $300 or more
- Enroll in eBanking within 60 days of account opening.
- Make 10 or more debit card purchases within 90 days of account opening.
Now find the checking account that matches your financial goals! Whether you want premium benefits, everyday flexibility, or a fresh start, explore Icon, Inspire, and Imagine Checking, and open the account that moves you forward, Bonus included.
†Important Information For Bonus Offer: Limited time offer. Bonus Offer is available on a new consumer checking relationship (meaning the person opening the account as primary owner has not been an owner of a First Bank consumer checking account in the 6 months prior to the account opening date). You must use the Promo Code SWITCH2FB when you open an account in a First Bank branch or apply online. Terms and conditions apply, and new account applications are subject to review and approval. Bonus will be reported as interest to the IRS. First Bank reserves the right to determine eligibility for the Bonus Offer, and offer may be changed or discontinued at any time without notice at First Bank’s sole discretion. Only one Bonus Offer per person, and it cannot be combined with any other offer. Bonus Offer is defined as the $500 Bonus, the $300 Bonus, and the $100 Bonus described below. If the 60th or 90th calendar day after account opening falls on a weekend or a holiday, then the business day before the weekend or holiday will be used for the Bonus requirements. Bonus Offer is available through June 30, 2026.
1Requirements for the $500 Bonus: 1) Open an Icon Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Icon Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Icon Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $5,000 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Icon Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Icon Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Icon Checking account must be open and have a positive balance in order to receive the $500 Bonus. If all of the Bonus requirements have been met, the $500 Bonus will be credited to the Icon Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
2Requirements for the $300 Bonus: 1) Open an Inspire Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Inspire Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Inspire Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $500 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Inspire Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Inspire Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Inspire Checking account must be open and have a positive balance in order to receive the $300 Bonus. If all of the Bonus requirements have been met, the $300 Bonus will be credited to the Inspire Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
3Requirements for the $100 Bonus: 1) Open an Imagine Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Imagine Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Imagine Checking account in-branch or online. 2) The account must have a minimum opening deposit of $25. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $300 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Imagine Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Imagine Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Imagine Checking account must be open and have a positive balance in order to receive the $100 Bonus. If all of the Bonus requirements have been met, the $100 Bonus will be credited to the Imagine Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
4During a monthly analysis/statement period, avoid the $25.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $5,000.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $5,000.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $50,000.00 or more (includes consumer and non-consumer accounts).
5During a monthly analysis/statement period, avoid the $10.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $500.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $500.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $15,000.00 or more (includes consumer and non-consumer accounts).
6During a monthly analysis/statement period, a $5.00 Monthly Maintenance Fee is assessed; however, there is no fee if the primary owner is under 25 years of age. A primary owner that is age 13 to 17 must have parent or legal guardian as a secondary owner.
7For primary owners 13 to 17 years of age, receive a Flex Minor Debit Mastercard.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
*Icon Checking Account. May be opened in-branch or online. An interest rate of 2.57% will be paid on the portion of the account balance up to $100,000.00 (the APY for this tier will be 2.60%); and the portion of the account balance that is $100,000.01 or more will be paid a lower interest rate of 0.20% (the APY for this tier will range from 2.60% to 0.20%, depending on the balance in the account). Interest Rates and Annual Percentage Yields (APYs) are accurate as of 04/01/2026. This is a variable-rate account, and the interest rates may change after the account is opened. $100.00 minimum deposit required to open a new account. Fees may reduce earnings.
**Imagine Checking Account. May be opened in-branch or online. An interest rate of 2.57% will be paid on the portion of the account balance up to $1,000.00 (the APY for this tier will be 2.60%); and the portion of the account balance that is $1,000.01 or more will be paid at a lower interest rate of 0.20% (the APY for this tier will range from 2.60% to 0.20%, depending on the balance in the account). Interest Rates and Annual Percentage Yields (APYs) are accurate as of 04/01/2026. This is a variable-rate account, and the interest rates may change after the account is opened. $25.00 minimum deposit required to open a new account. Fees may reduce earnings.
††Review Overdraft Protection Services Terms and Conditions.
‡International ATM withdrawals may be subject to the International Transaction Service Charge. See the Schedule of Fees provided at account opening for more information.
1Requirements for the $500 Bonus: 1) Open an Icon Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Icon Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Icon Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $5,000 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Icon Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Icon Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Icon Checking account must be open and have a positive balance in order to receive the $500 Bonus. If all of the Bonus requirements have been met, the $500 Bonus will be credited to the Icon Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
2Requirements for the $300 Bonus: 1) Open an Inspire Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Inspire Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Inspire Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $500 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Inspire Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Inspire Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Inspire Checking account must be open and have a positive balance in order to receive the $300 Bonus. If all of the Bonus requirements have been met, the $300 Bonus will be credited to the Inspire Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
3Requirements for the $100 Bonus: 1) Open an Imagine Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Imagine Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Imagine Checking account in-branch or online. 2) The account must have a minimum opening deposit of $25. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $300 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Imagine Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Imagine Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Imagine Checking account must be open and have a positive balance in order to receive the $100 Bonus. If all of the Bonus requirements have been met, the $100 Bonus will be credited to the Imagine Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
4During a monthly analysis/statement period, avoid the $25.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $5,000.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $5,000.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $50,000.00 or more (includes consumer and non-consumer accounts).
5During a monthly analysis/statement period, avoid the $10.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $500.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $500.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $15,000.00 or more (includes consumer and non-consumer accounts).
6During a monthly analysis/statement period, a $5.00 Monthly Maintenance Fee is assessed; however, there is no fee if the primary owner is under 25 years of age. A primary owner that is age 13 to 17 must have parent or legal guardian as a secondary owner.
7For primary owners 13 to 17 years of age, receive a Flex Minor Debit Mastercard.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
*Icon Checking Account. May be opened in-branch or online. An interest rate of 2.57% will be paid on the portion of the account balance up to $100,000.00 (the APY for this tier will be 2.60%); and the portion of the account balance that is $100,000.01 or more will be paid a lower interest rate of 0.20% (the APY for this tier will range from 2.60% to 0.20%, depending on the balance in the account). Interest Rates and Annual Percentage Yields (APYs) are accurate as of 04/01/2026. This is a variable-rate account, and the interest rates may change after the account is opened. $100.00 minimum deposit required to open a new account. Fees may reduce earnings.
**Imagine Checking Account. May be opened in-branch or online. An interest rate of 2.57% will be paid on the portion of the account balance up to $1,000.00 (the APY for this tier will be 2.60%); and the portion of the account balance that is $1,000.01 or more will be paid at a lower interest rate of 0.20% (the APY for this tier will range from 2.60% to 0.20%, depending on the balance in the account). Interest Rates and Annual Percentage Yields (APYs) are accurate as of 04/01/2026. This is a variable-rate account, and the interest rates may change after the account is opened. $25.00 minimum deposit required to open a new account. Fees may reduce earnings.
††Review Overdraft Protection Services Terms and Conditions.
‡International ATM withdrawals may be subject to the International Transaction Service Charge. See the Schedule of Fees provided at account opening for more information.