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  First Bank First Performance Checking

First Bank First Performance Checking

in Checking Accounts from First Bank · Member fdic

Unaffiliated

First Bank First Performance Checking

Unaffiliated

in Checking Accounts from First Bank · Member FDIC

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Highlights
Monthly Fee $0 - $15
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1% - 3%

First Bank First Performance Checking Review

First Bank First Performance Checking is offered by First Bank, a bank founded in 1906 and based in Creve Coeur, MO. First Bank First Performance Checking is available in 3 states across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 3%, which is much higher than the average for a checking account.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $15, but there are ways to waive the fee.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. First Bank First Performance Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through First Bank.
  • Hard credit pull. First Bank may require a hard pull on your credit report to open a checking account.
First Bank First Performance Checking Pros & Cons
Pros Cons
  • High-interest yield.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Only available in 3 states.
  • Monthly service charge (if minimums are not met).
First Bank First Performance Checking FAQ

Are checking accounts from First Bank federally insured?

Yes, your First Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #12229). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does First Bank First Performance Checking offer?

First Bank First Performance Checking offers an APY starting at 0.1% and ranging up to 3% (APY stands for annual percentage yield, rates may change).

First Bank First Performance Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.1% - 3%

What are the account minimums for First Bank First Performance Checking?

First Bank First Performance Checking requires a minimum initial deposit of $100 to open an account.

First Bank First Performance Checking Account Minimums
Description Amount
Minimum Opening Deposit $100
Minimum Direct Deposit to Avoid Monthly Fee $250

What fees does First Bank First Performance Checking charge?

This account charges a monthly maintenance fee of up to $15.

First Bank First Performance Checking Fees
Description
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Image Service $1
Monthly Fee $0 - $15
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
ATM Fee: Out-of-Network $0

What features and perks does First Bank First Performance Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - First Bank First Performance Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Bank First Performance Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 3 states
  • California
  • Illinois
  • Missouri

Feature Breakdown

APY Minimum Balance $0
Minimum Direct Deposit to Avoid Monthly Fee $250
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Bank Teller Fee $0
Check Cashing Fee $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
Check Image Service $1
Monthly Fee $0 - $15
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • FDIC Member
  • Check Writing
APY (Annual Percentage Yield) 0.1% - 3%

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