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Personal Checking

First Checking
:: No minimum balance
:: No monthly service fee
:: Unlimited check writing
:: FREE online banking
:: FREE First For You Telebank
  NOW Checking
:: Minimum balance $600.00
:: Falls below $600.00=$5.00 fee (plus tax)
:: Must maintain $600.00 balance to earn .05% APY*
:: 25 debits (excluding ATM and debit card transactions) allowed then $.20 per debit thereafter
:: FREE online banking
:: FREE First For You Telebank
:: The above fees will not apply if you are a student through age 22 or a senior citizen (age 62 and older)
Note: Fees may reduce earnings
     
First Investors Account
::
Minimum balance $2500.00
:: Falls below $2500.00=$5.00 fee (plus tax)
:: Must maintain $2500.00 balance to earn .10% APY*
:: If falls below $2500.00 but at least $600.00 you will earn the NOW Account interest rate .05% APY* on those days.
:: Free Personalized Check Orders (2 orders annually)
:: FREE Notary Service
:: Money Orders and Cashiers Checks at no charge.
:: Discount on Safety Deposit Box
:: Discount on Bank Sponsored Trips
:: Discount on Photocopies
:: FREE online banking
:: FREE First For You Telebank
Note: Fees may reduce earnings
  Student Account (eligible for student through age 22)
:: No minimum balance
:: No monthly service fee
:: Unlimited check writing
:: FREE debit card
:: FREE online banking
:: FREE First For You Telebank
     
Common Sense Banking with Banclub
:: Can be attached to any of the above accounts.
:: Maintenance fee of $7.00 a month (plus tax) for Basic Plan
:: $8.00 (plus tax) for Personal Plan
:: $9.00 (plus tax) for Family Plan
:: Free Personalized Check Orders (2 orders annually)
:: Money Orders and Cashiers Checks at no charge.
:: Key Ring Protection
:: Credit Card Protection
:: Discount on Safety Deposit Box ($3.00)
:: Discount on Bank Sponsored Trips
:: FREE online banking
:: FREE First For You Telebank
  First - Senior's Club
:: Can be attached to any of the above accounts.
:: Senior Citizen age 62 or older
:: No Service Charge
:: Unlimited check writing
:: Free Personalized checks (2 orders per year)
:: Money Orders and Cashiers Checks at no charge.
:: Discount on Safety Deposit Box ($4.00)
:: Discount on Bank Sponsored Trips
:: FREE online banking
:: FREE First For You Telebank
     

Rewards Checking

:: No Minimum Balance                

:: No per Check Charge.

:: No Interest.

:: Must meet 4 of the 7 qualifications below within a statement cycle to earn rewards.

QUALIFICATIONS: 

  • (1) E-Statements                                   (Paper Statement will be $5/per Statement Cycle.  This fee is waived for Students and First Seniors.)
  • (2) VISA Debit Card POS Trans (excludes ATM transactions) - at least 10 per Statement Cycle
  • (3) ACH Credit - at least 1 per Statement Cycle
  • (4) Bill Pay or ACH Debit - at least 1 per Statement Cycle
  • (5) Open or Maintain a Savings account 
  • (6) Open or Maintain a Safe Deposit Box
  • (7) Open or Maintain a CD account 

 

 

 

 Rewards Checking (continued)

REWARDS

  • Mobile Deposit Fees Waived
  • Refunded ATM Fees Nationwide - up to $10.00/Statement Cycle.
  • Refunded monthly VISA Debit Card Fee
  • Cash Back/VISA Debit Card -  $2.00 Cash Back for each $200.00 spent. Max $10.00/ Statement Cycle.

Statement Cycle Disclaimer:

VISA Debit Card POS, Direct Deposit, ACH Automatic Debit and Bill Pay account transactions MUST post and settle to your Rewards Checking Account on or before the statement cycle cutoff date.  VISA Debit Card POS, Direct Deposit, ACH Automatic Debit and Bill Pay account transactions in a pending or presentment status on the statement cycle cutoff date may NOT satisfy that requirement for that statement cycle.  Transactions may take one or more banking days from the date the transaction was made, to post and settle to your account. 

*APY = Annual Percentage Yield
Effective date of APYs quoted: ‎2‎/‎22‎/‎2021‎ ‎1‎:‎52‎:‎35‎ ‎PM
APYs subject to change after account opening.

     
         
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