Checking Accounts

We offer a selection of checking plans to choose from to meet your individual needs:

Unlimited check writing account; with no minimum balance requirement and no monthly service charge.


NOW Account
No service charge** and competitive interest* earned on average collected balance over $500.00. Unlimited check writing.
* Rate subject to change
service charge will apply to balances below $500


Liquid Gold
Liquid Gold is the premium checking account designed to provide the very best in exclusive financial services. Experience the privileges of being a Liquid Gold member by opening and maintaining a minimum $2,500 interest-bearing balance.

At the time you open your account you will experience the privileges of Liquid Gold membership, including:

  • competitive interest rates* that vary with tiered balances
  • unlimited check writing
  • no monthly transaction fees or membership charge
  • complimentary Liquid Gold checkbook cover
  • free ATM or Direct Card for 24-hour banking
  • first order of checks free
  • complimentary money orders and cashiers checks
  • free ATM use at First Bank locations

* rates subject to change
(service charge will apply to balances below $2,500)


For your added convenience First Bank ATM and Direct (Debit) Cards enable you to access your checking & savings accounts through automated teller machines anywhere, anytime. In addition, the Direct Card enables you to make purchases at merchants, who accept VISA, with the funds taken directly from your checking account.

"First Line" is First Bank's personal line of credit and overdraft protection. Applications are available at any office. Also inquire about a "sweep account" to transfer between savings and checking accounts.


Corporate Gold
Corporate Gold is the money market account for commercial* customers that offers:

  • high interest rates** that vary with tiered balances (minimum balance of $1000)
  • Free ATM or Debit Card for 24-hour ATM banking
  • Corporate Gold customers are allowed unlimited withdrawals in person, at an ATM or to pay loans obtained from First Bank.
  • The maximum number of other withdrawals or transfers are limited to six per month, including wire transfers and checks, In-Touch Banker transfers and direct payments.

* Corporations and Partnerships
** Interest rates are variable


Health Savings Account (HSA)
This interest bearing checking account is designed exclusively for individuals who have a High Deductible Health Plan.  Our HSA features both a debit card and checks, and this account offers pre-tax savings with post-tax benefits.


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