Checking Comparison

Account Name Learn More Minimum Opening Balance Minimum Balance Service Charge Balance to Avoid Service Charge Minimum Balance to Earn Interest
Simply Free More > $100 $0 $0* N/A
Student Checking More > $100 $0 $0* N/A
Super Now More > $100 $15 $2,500 tiered
Money Market More > $100 $6 $1,000 tiered
Money Market Elite More > $100 $10 $10,000 tiered

*Accounts that are inactive (no deposit or withdrawals) for more than 6 months AND have a balance of less than $50.00 will incur an Inactive Account Fee of $3.00 per month. Minors are excluded from this fee.

Bank First has a full array of checking account services available to fit your needs. There are both non-interest bearing and interest bearing checking accounts to choose from.

Non-Interest Bearing Checking Accounts:

Simply Free Checking

Free checking at its best!

  • No minimum balance*
  • Free first order of personalized Specialty Mint style wallet or duplicate checks
  • Unlimited check writing
  • Free Debit Card transactions (subject to credit approval)
  • Bank by phone 24 hours a day using toll-free Telebanc
  • Bank by mobile phone anytime, anywhere with goBank mobile banking
  • Online account access with Internet Banking
  • Free online Bill Pay**

Student Checking

For students ages 16 to 23, this account is perfect for you!

  • No minimum balance
  • $10.00/month ATM fee reimbursement
  • Receive 500 FREE UChoose Rewards points for opening your account. Earn 1 pt. for every $2 spent when you sign for purchases using your debit card.
  • Free first order of personalized Specialty Mint style wallet or duplicate checks
  • Unlimited check writing
  • Free debit card transactions (subject to credit approval)
  • Bank by phone 24 hours a day using toll-free Telebanc
  • Bank by mobile anytime, anywhere with goBank mobile banking
  • Online account access with Internet Banking
  • Free online Bill Pay**

Must be at least 16 years of age and either a high school junior or senior or enrolled in post-high education (college or trade) to open account. Customers under the age of 18 are required to have a parent/guardian as joint owner on the account. This account will automatically convert to a Simply Free Checking when the youngest signer reaches the age of 24. E-statements are required with this account.


Interest Bearing Checking Accounts:

Super Now Checking

Interest bearing checking with no monthly service charge when you maintain an average daily collected balance of at least $2,500.

  • Free first order of personalized Specialty Mint style wallet or duplicate checks
  • Variable interest compounded and credited every statement cycle
  • Interest rates paid based on account balances within interest rate tiers
  • Unlimited check writing
  • Bank by phone 24 hours a day using toll-free Telebanc
  • Bank by mobile phone anytime, anywhere with goBank mobile banking
  • Online account access with Internet Banking
  • Free online Bill Pay**
  • Average daily collected balance below $2,500 incurs $15.00 monthly maintenance charge
  • Super Now checking accounts not available to partnerships or corporations

Money Market Checking

Money market accounts allow you to withdraw all or part of the funds at any time and still earn market rates.

  • Free first order of personalized Specialty Mint style wallet or duplicate checks
  • Variable interest compounded and credited every statement cycle
  • Interest rates paid based on account balances within interest rate tiers
  • Earn higher interest rates on larger balances. The interest rate is tiered and may vary at the following levels:
  • Under $2,500 | $2,500-$9,999 | $10,000-$24,999 | $25,000 & Over
  • Six transactions allowed per statement cycle, which may be by check, draft, debit card or electronic transfer to third party. Unlimited withdrawals if made in person.
  • Free check safekeeping
  • Bank by phone 24 hours a day using toll-free Telebanc
  • Bank by mobile phone anytime, anywhere with goBank mobile banking
  • Online account access with Internet Banking
  • Free online Bill Pay** for personal accounts
  • Average daily collected balance below $1,000.00 incurs $6.00 service charge per month
  • Money Market checking accounts are available to partnerships or corporations

*Fees could reduce earnings on the account. The interest rate and annual percentage yield for all tiers may change at our discretion at any time.


Money Market Elite Checking

Our highest yielding account!

  • Free first order of personalized Specialty Mint style wallet or duplicate checks
  • Variable interest compounded and credited every statement cycle
  • Interest rates paid based on account balances within interest rate tiers
  • Earn higher interest rates on larger balances. The interest rate is tiered and may vary at the following levels:
  • $0-$9,999 | $10,000-$49,999 | $50,000-$99,999 | $100,000-$999,999 | $1,000,000-$1,999,999 | $2,000,000 & Over
  • Six transactions allowed per statement cycle, which may be by check, draft, debit card or electronic transfer to third party. Unlimited withdrawals if made in person.
  • Bank by phone 24 hours a day using toll-free Telebanc
  • Bank by mobile phone anytime, anywhere with goBank mobile banking
  • Online account access with Internet Banking
  • Free online Bill Pay** for personal accounts
  • Average daily collected balance below $10,000.00 incurs $10.00 service charge per month
  • Money Market Elite checking accounts are available to partnerships or corporation

*Fees could reduce earnings on the account. The interest rate and annual percentage yield for all tiers may change at our discretion at any time.


Debit Cards

Make your purchases easier by using a Bank First debit card that's linked to your checking account! Use your debit card to make purchases anywhere MasterCard is accepted or go to any ATM to access your checking account to withdraw cash, make deposits, or transfer funds whenever it is convenient for you.

To activate and set your PIN, or change your PIN, call 1-800-567-3451.

To report lost or stolen Debit/ATM card after normal banking hours, call 1-800-554-8969.
Press 1 to report a lost or stolen card
Press 3 for help with other inquiries


Check Credit

Avoid the embarrassment of an overdraft with Firstflex Credit - a line of credit that is automatically accessed if your checking account has a negative balance. There is a $25 annual fee for this service and interest is charged on the outstanding balance of the line of credit.

See one of our Customer Service Representatives today to open the checking account of your choice!


*Accounts that are inactive (no deposit or withdrawals) for more than 6 months AND have a balance of less than $50.00 will incur an Inactive Account Fee of $3.00 per month. Minors are excluded from this fee.