personal Accounts

1st Free Checking

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1st Bank's most simple Checking

  • No Minimum Balance and the  monthly service charge of $5.00 is waived if you opt to not have paper statements  mailed.

Personal Checking

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  • $200.00 Minimum Balance or $1,000 Avg Collected Balance (a $5.00 Service Charge will be imposed if either are not met)
  • Check Images included with Monthly Statement

1st Silver Checking

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For those 62 or older 

  • No Minimum Balance
  • Interest earned on $1,000.00 Avg Collected Balance
  • Check Images included with Monthly Statement

Interest Checking

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If you tend to keep a a little extra in your checking account, this is the account for you. 

  • Interest earned on $1,000.00 minimum balance (or $5,000.00 Average Collected Balance)
  • $10.00 service charge if your balance falls below the minimum.


Insured Market Fund

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 With tiered rates, the Insured Market Fund Account is a straightforward way to earn more interest on your savings as your savings grows.  

  • $1,000.00 minimum balance (or $5,000.00 Average Collected Balance)   
  • $10.00 service charge if your balance falls below the minimum.
  • During any statement cycle,  you may not make more than six (6) withdrawals or transfers to another account by means of pre-authorized or automatic transfer, or by check, draft, debit card, or similar order to a third party.  Fees may apply. 

Personal Savings

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A savings account with competitive interest rates!  

  • $50.00 minimum balance or $500.00 Avg Collected Balance
  •  $5.00 monthly service charge if your balance falls below the minimum.
  •  During any statement cycle,  you may not make more than six (6) withdrawals or transfers to another account by means of pre-authorized or automatic transfer, or by check, draft, debit card, or similar order to a third party.  Fees may apply.  

Minor's 1st Savings

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The Minor's 1st Savings is specially designed for customers who are 18 or younger to help them start saving.   

  • No minimum balance requirements - No monthly service charge 
  •  During any statement cycle,  you may not make more than six (6) withdrawals or transfers to another account by means of pre-authorized or automatic transfer, or by check, draft, debit card, or similar order to a third party.  Fees may apply.  

 *Rates for interest bearing accounts are subject to change.