Discover the Money-Saving Benefits of a New Checking Account.

Open a Checking with Perks or Premier Checking with Perks account and enjoy access to deals and discounts, roadside assistance, and more.

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Save Money and Time, Get Peace of Mind.

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Cell Phone Protection
Phone broken or stolen? You’re covered with repair or replacement.

Roadside Assistance
Available 24/7 and free to use, covers up to $80 in covered service charges.

Fuel Savings
Earn rewards to redeem at the pump simply by using your First Bank and Trust Visa Debit Card for everyday purchases.

Deals and Discounts
Shop local, save local. Discover discounts and national retailer deals.

Billshark 
Billshark’s team of experts can handle bill negotiations and subscription cancellation requests for you — saving time, money, and stress!

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Health Savings, Travel Accidental Death Insurance, ID Theft Aid

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Checking with Perks

Benefits you'll use.

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Premier Checking with Perks

Get rewarded for your relationship.

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Free Checking

Meet your basic banking needs.

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Checking with Perks

Benefits you'll use:

  • ID Theft Aid
  • Cell Phone Protection
  • Roadside Assistance
  • Shop local, save local with BaZing Savings
  • Pharmacy, vision, and hearing discounts
  • BaZing Fuel - earn 10¢/gal for up to 20 gallons each month
  • $10,000 Travel Accidental Death Insurance - covers loss of life due to accident while traveling
  • BillShark - bill negotiation and subscription cancelling service

Only $5 per month.

Premier Checking with Perks

Get rewarded for your relationship:

  • ID Theft Aid
  • Cell Phone Protection
  • Roadside Assistance
  • Shop local, save local with BaZing Savings
  • Pharmacy, vision, and hearing discounts
  • BaZing Fuel - earn 10¢/gal for up to 20 gallons each month
  • $10,000 Travel Accidental Death Insurance - covers loss of life due to accident while traveling
  • BillShark - bill negotiation and subscription cancelling service
  • Earn interest on your checking balance

Avoid a $5 monthly fee with a $2,500 minimum account balance.

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Free Checking

Meet your basic banking needs:

  • Anywhere banking tools - online banking, mobile banking, bill pay, Visa Debit Card, eStatements, card control, Debit Card Rewards, mobile deposit, digital storage vault, and 24/7 fraud monitoring
  • Open an account with $50.
  • No minimum balance requirements or monthly service charges.
  • Unlimited transfers to other accounts.

Anywhere Banking Tools

Every checking account comes with our industry-leading digital banking tools:

Direct Deposit
Bill Pay
eStatements
Credit Score
Card Management
Direct Deposit
Bill Pay
eStatements
Credit Score
Card Management

First Perks Terms and Conditions

1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2 Subject to the terms and conditions detailed in the Guide to Benefits. 3 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 4 Billshark, identity monitoring, and credit monitoring each require additional activation to begin. 5 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.