Take control of your finances with checking, savings, and CD accounts that are designed to help your money grow faster.
Whether you're managing day-to-day spending or planning for the future, First Bank offers competitive rates and flexible options to meet your needs. Open your account online or visit one of our local branches in Missouri, Illinois, Kansas, or California. Wherever you are in your financial journey, First Bank is here to help you move forward with confidence.
Icon Checking
Earn up to 2.85% APY* just for doing your everyday banking! Make your money work as hard as you do with an Icon Checking Account from First Bank. Take advantage of high-interest earning just by doing the things you already do. It’s checking that rewards your routine.
- Open an account with $100.00.
- Take advantage of the ability to avoid a Monthly Maintenance Fee1.
- Increase your buying power with the higher daily limits of a free First Bank Onyx Debit Mastercard®.
- Enjoy free paper statements with check images and eStatements.
- Access your money 24/7 with eBanking, mobile banking, mobile deposit, and Bill Pay.
- Receive two free standard check orders every 365 days from the account opening date.
- Take advantage of free Cashier's Checks and Money Orders.
- Enjoy access to over 55,000 surcharge-fee-free Allpoint Network ATM locations around the world‡, including 40,000 in the United States.
Icon High-Yield Savings
Take your savings to the next level with First Bank’s Icon High-Yield Savings Account (HYSA). With a competitive 3.40% APY**, you’ll earn more on every dollar without locking your money away. Whether you're building an emergency fund or saving for something big, this account helps you reach your goals faster.
- Open an account with $100.00.
- Save your way with 24/7 eBanking and mobile banking.
- Set up automatic savings through First Bank's eBanking - simply set it, forget it, and watch your money grow.
- Avoid the $5.00 Monthly Maintenance Fee by maintaining an open Icon Checking Account or the account has an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Certificates of Deposit
Certificates of Deposit (CDs) are a safe way to earn exceptional returns. With CDs, you have the freedom to create a savings plan that lines up with your personal realities. The other big benefit? A high fixed rate, which means you know from the start you're going to come out way ahead of the game. First Bank offers multiple promotional CD rates so you can select the term that works best for your financial goals.
| High-Yield CDs/IRAs† | APY† |
|---|---|
| 3-Month CD | 3.51% |
| 7-Month Promo CD | 4.00% |
| 13-Month Promo CD | 3.80% |
| 20-Month Promo CD | 3.51% |
| 30-Month Promo CD | 3.25% |
| 40-Month Promo CD | 3.00% |
Do you have a First Bank CD that will mature soon? Call or visit your local First Bank branch to renew your CD with one of these great promotional rates.***
*Icon Checking Account. May be opened in-branch or online. An interest rate of 2.81% will be paid on the portion of the account balance up to $100,000.00 (the APY for this tier will be 2.85%); and the portion of the account balance that is $100,000.01 or more will be paid a lower interest rate of 0.35% (the APY for this tier will range from 2.85% to 0.35%, depending on the balance in the account). Interest Rates and Annual Percentage Yields (APYs) are accurate as of 09/26/2025. 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.
**Icon High-Yield Savings Account (HYSA). May be opened in-branch or online. Annual Percentage Yield (APY) is accurate as of 09/26/2025. This is a variable-rate account, and the interest rate may change after the account is opened. $100.00 minimum deposit required to open a new account. Fees may reduce earnings.
†CDs. May be opened in-branch or online. Annual Percentage Yield (APY) is accurate as of 09/26/2025. APY may change before CD is opened and funded. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. A penalty may be imposed for early withdrawal.
1During 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).
‡International ATM withdrawals may be subject to the International Transaction Service Charge. See the Schedule of Fees provided at account opening for more information.
***For a Maturing CD: Annual Percentage Yield (APY) is accurate as of 09/26/2025, and is subject to change at any time before a maturing CD is renewed. You must visit or call a First Bank branch to request the promotional rate and term no later than 14 days after the CD’s maturity date, or your CD will automatically renew according to your CD’s terms and conditions, and you will need to call us on or after the maturity date to learn the new interest rate and APY. A penalty may be imposed for early withdrawal.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
**Icon High-Yield Savings Account (HYSA). May be opened in-branch or online. Annual Percentage Yield (APY) is accurate as of 09/26/2025. This is a variable-rate account, and the interest rate may change after the account is opened. $100.00 minimum deposit required to open a new account. Fees may reduce earnings.
†CDs. May be opened in-branch or online. Annual Percentage Yield (APY) is accurate as of 09/26/2025. APY may change before CD is opened and funded. $1,000.00 minimum balance required to open and obtain APY. Maximum balance limits apply. A penalty may be imposed for early withdrawal.
1During 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).
‡International ATM withdrawals may be subject to the International Transaction Service Charge. See the Schedule of Fees provided at account opening for more information.
***For a Maturing CD: Annual Percentage Yield (APY) is accurate as of 09/26/2025, and is subject to change at any time before a maturing CD is renewed. You must visit or call a First Bank branch to request the promotional rate and term no later than 14 days after the CD’s maturity date, or your CD will automatically renew according to your CD’s terms and conditions, and you will need to call us on or after the maturity date to learn the new interest rate and APY. A penalty may be imposed for early withdrawal.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.