Icon Checking

You’ve worked hard to build your financial future—now let First Bank help you grow it with a checking account that works harder for you. Start cashing in on iconic interest when you earn up to 3.00% APY* with your Icon Checking Account. Open an account online or at your local First Bank branch in Missouri, Illinois, or California.
  • Open an account with just $100.00 to earn up to 3.00% APY*.
  • 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 and bank your way.
  • Receive two free standard check orders every 365 days from the account opening date.
  • Gain access to free Cashier's Checks and Money Orders.
  • Enjoy access to over 55,000 surcharge-free Allpoint Network ATM locations around the world‡, including 40,000 in the United States. 
  • Rest assured knowing you will not be charged a Non-First Bank ATM Withdrawal Fee at ATMs operated by other banks (domestic and international), and you will also receive an automatic reversal of up to $10.00 of other banks' ATM Surcharge Fees per analysis/statement period‡.

Icon High-Yield Savings

Open the door to iconic savings with First Bank’s Icon High-Yield Savings Account (HYSA). Your money earns more with a premium interest rate on all balances while you continue to reach new heights in your savings. Open an account online or at your local First Bank branch in Missouri, Illinois, or California.
  • Open an account with as little as $100.00. 
  • Earn 3.60% APY** on all balances.
  • Track and manage your money with 24/7 eBanking and mobile banking, mobile deposit, and Bill Pay.
  • Enjoy free paper statements and eStatements. 
  • 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.

Resources to help you achieve your financial goals.

*Icon Checking Account. May be opened in-branch or online. An interest rate of 2.96% will be paid on the portion of the account balance up to $100,000.00 (the APY for this tier will be 3.00%); and the portion of the account balance that is $100,000.01 or more will be paid at a lower interest rate of 0.50% (the APY for this tier will range from 3.00% to 0.50%, depending on the balance in the account).  Interest Rates and Annual Percentage Yields (APYs) are accurate as of 08/19/2025. 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 08/19/2025. 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.

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.

†Review Overdraft Protection Services Terms and Conditions.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.