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First Rate Checking Account

Home PERSONAL BANKING First Rate Checking Account

Elevate your Earnings with up to 6.50% APY1

Your money should work as hard as you do – and now it can! Effective August 1, 2024, the new levels of our First Rate Checking Account reward you for everyday banking activities.

   

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Level 1

  • 4.00% APY on balances up to $30,000 when all requirements are met1,3
  • 0.10% APY on balances over $30,000 
  • No interest earned when requirements are not met 

 

 

Level 2

  • 4.00% APY on balances up to $30,000 when all requirements are met1,3
  • 6.50% APY on balances $30,000.01 to $60,000
  • 0.10% APY on balances over $60,000
  • No interest earned when requirements are not met 

Level 1 Requirements

  • Access internet banking
  • Receive e-statements 
  • At least one online bill payment
  • At least one automatic debit or direct deposit 
  • Minimum of 12 debit card transactions of $5 or more
 

Level 2 Requirements

  • Access internet banking
  • Receive e-statements 
  • At least one online bill payment
  • At least one automatic debit or direct deposit 
  • Minimum of 18 debit card transactions of $5 or more
  
Additional Account Details
Monthly Service ChargeMaintain a $2,500 average daily balance to avoid $10 monthly service charge
Online BankingIncluded with account
Check WritingUnlimited
Optional OverdraftYes
BaZing Benefits2Receive money- and time-saving benefits powered by BaZing
Bill PayIncluded with account
Mobile BankingYes
Text/Email AlertsYes
Visa® Debit CardIncluded with account

 

Elevate your earnings by opening a First Rate Checking Account today!

APPLY ONLINE

 

1Account has a minimum opening balance of $2,500. Annual Percentage Yield (APY) is accurate as of August 1, 2024. Rates are subject to change at any time. Limit of one First Rate Checking account per customer. ATM surcharges still apply. Message, data, and ISP rates may apply. Fees could reduce the earnings on the account.

2Discount program that includes discounts, money-saving benefits and protection plans. Benefits in the program are subject to change without notice. See separate reference guide for details and specifics on eligibility for each program benefit.

3Must meet all requirements per statement cycle to earn interest.