Checking Accounts
Living is growing. Isn’t it time your checking account grew with you?
First Bank checking accounts aren't just designed to meet you where you are. They're built to help get you to where you're going. Find the checking account that’s right for your moment.
Discover fresh, new checking accounts simplified for your life.
Open a checking account online or at a First Bank branch in MO, IL, or CA and start planning for your bright financial future.
Open a First Bank checking account and access these top-notch features.
A checking account serves as the central hub of your finances. That’s why finding the right First Bank checking account solution that meets you where you’re at in your financial journey is essential for your short and long-term financial success. Open a checking account online or at a local First Bank branch in Missouri, Illinois, or California.
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Banking on the GoGain access to 24/7 free eBanking, Mobile Banking, Mobile Deposit, Bill Pay, and eStatements.
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First Bank Debit Mastercard®Receive a free First Bank Debit Mastercard, connect to your Digital Wallet, and enjoy Zero Liability Protection.***
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Access Your Cash EasilyFirst Bank's convenient ITMs and over 55,000 surcharge-free Allpoint® Network ATM locations make it easy to access your cash when you need it.
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Overdraft ProtectionFirst Bank's overdraft protection services† can set things right if you overspend your checking account. Learn about our solutions.
1During 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.
2For primary owners 13 to 17 years of age, receive a Flex Minor Debit Mastercard.
3During 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).
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).
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
*Imagine 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 $1,000.00 (the APY for this tier will be 3.00%); and the portion of the account balance that is $1,000.01 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 07/23/2025. 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.
**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 07/23/2025. 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.
***Pay only for purchases that you have authorized on your First Bank Debit Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Please refer to the Deposit Account Agreement for information on unauthorized transactions and go to mastercard.us/zero-liability.html.
†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.
If you are a First Performance Checking accountholder, use this link to review product information.
2For primary owners 13 to 17 years of age, receive a Flex Minor Debit Mastercard.
3During 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).
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).
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
*Imagine 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 $1,000.00 (the APY for this tier will be 3.00%); and the portion of the account balance that is $1,000.01 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 07/23/2025. 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.
**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 07/23/2025. 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.
***Pay only for purchases that you have authorized on your First Bank Debit Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Please refer to the Deposit Account Agreement for information on unauthorized transactions and go to mastercard.us/zero-liability.html.
†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.
If you are a First Performance Checking accountholder, use this link to review product information.