Personal Checking Accounts

Related Information
Whether you are in need of a simple checking account or an interest bearing account, we can help. We know that we have an account that is right for you.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://fdic.gov/deposit/deposits/unlimited/expiration.html.

First Basic Checking

$200.00 is required to open this account. Minimum balance required and no interest paid. This account offers a Debit Card, Free Direct Deposit, and Check Safekeeping (your checks are not returned in your monthly statement). If the balance falls below $400.00 on any day in the statement cycle. a maintenance fee of $5.00 will be imposed once during the cycle.

First Preferred Checking

$200.00 is required to open this account. Interest can be earned anytime the account balance is $750.00 or more. A Debit Card and Free Direct Deposit are offered. Statements are issued monthly and include an image of your cancelled checks.

Minimum balance to avoid imposition of fees

If balance falls below $750.00 on any day in the statement cycle. A Maintenance fee of $8.00 will be imposed once during the cycle.

Money Market Account

Requires $500.00 to open account. Offers you the opportunity to earn a higher interest rate when this account is $1,000.00 or more. This account includes a monthly statement, an image of your checks, and Free Direct Deposit.

Minimum balance to avoid imposition of fees

If balance falls below $1,000.00 on any day in the statement cycle, a maintenance fee of $8.50 will be imposed once during the cycle.

Note: Over (3) checks per cycle will result in a $5.00 charge each. Over (6) debit per cycle will result in a $5.00 charge each.

  • Rate Information
    Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time.
  • Determination of Rate
    At our discretion, we may change the interest rate on your account. Please call bank for current rate information.
  • Effect of Closing an Account
    If you close your account before interest is credited, you will not receive the accrued interest.
  • Daily Balance Computation Method
    We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Accrual of Interest on Non Cash Deposits
    Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (e.g. checks)
  • Compounding and Crediting Frequency
    Interest will be compounded every month. Interest will be credited to your account every month.