You First! Select the checking plan that fits your life. Each of these accounts include:
Free E-Statements, Free Online Banking(Opens in a new Window), First Anywhere app and more!
Ask us about Online Bill Pay(Opens in a new Window)#. Please come in to one of our
branches(Opens in a new Window) to open your account. When you open your account you receive your
FREE Debit Mastercard issued instantly with your choice of over 110 Card Designs(PDF 16 MB) .
Below is a chart summarizing our accounts. For more details click on "Learn More" in the far right column.
| Account type | Openning deposit | Minimum balance | Monthly service charge | Special feature | Interest bearing | More info |
|---|---|---|---|---|---|---|
| You 1st Checking | $25 | None | None | First check order Free | No | Details |
| You 1st E-Checking | $50 | None | None | Paperless checking | Yes | Details |
| You 1st Premium Checking | $50 | $500 | $5 if balance falls below $500 | First check order Free | Yes | Details |
| You 1st Checking | $50 | $1500 | $8 if balance falls below $1500 | Free checks | Yes | Details |
Your first 25 Online Bill Payments per statement cycle will be processed at NO CHARGE.
Any Bill Payments in excess of the first 25 (per statement cycle) will cost 50 cents each.
If you elect to received paper statements via the U.S. Mail then a $3 per month paper
statement fee will apply. Remember E-Statements are Free!
Direct Deposit is a requirement of the You 1st Premium Checking account
Our Patriot Act Notice has Important Information about
Procedures for Opening a New Account.
Please come in to a local branch to open an account.
Disclosure For All Interest Bearing Deposit Accounts
The following applies to all interest bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.
- Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings which is paid (credited) and compounded quarterly.
- Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example checks).
- All interest bearing accounts are variable rate accounts. We may change the rate at our discretion.
- If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. If you do not tell us you are closing your account you will not receive your accrued interest.
- Effect of Fees: fees may reduce earnings.