First Bank Thrive Checking Reviews (Jan. 2021) | Checking Accounts

Highlights
Monthly Fee	N/A
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0.01%

First Bank Thrive Checking Review

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

Key Takeaways

Low APY. The maximum annual percentage yield for this account is only .01%.
$25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
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 Thrive Checking Pros & Cons

Pros	Cons
Interest-yielding account. Access to physical branches. Free debit card Access to a nationwide network of ATMs. No charge on incoming domestic or international wire transfers.	No signup bonus. Only available in 3 states.

First Bank Thrive 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 Thrive Checking offer?

First Bank Thrive Checking Rates & Terms
Description
APY (Annual Percentage Yield)	0.01%

First Bank Thrive Checking offers an APY of .01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for First Bank Thrive Checking?

First Bank Thrive Checking requires a minimum initial deposit of $25 to open an account.

First Bank Thrive Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$25

What fees does First Bank Thrive Checking charge?

First Bank Thrive Checking Fees
Description
Monthly Fee	N/A
Paper Statement Fee	N/A
ATM Fee: In-Network	N/A
ATM Fee: Out-of-Network	N/A
NSF Fee	N/A
Overdraft Protection Fee (per transfer)	N/A
Overdraft Item Fee	N/A
Early Account Closure	N/A
Returned Deposit Fee (Domestic)	N/A
Debit Card Replacement Fee	N/A
Bank Teller Fee	$0
Check Cashing Fee	$0
Online Bill Pay Fee	$0
Stop Payment Fee	N/A
Check Image Service	N/A
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	N/A
Wire Transfer Fee - Domestic (Outgoing)	N/A
Wire Transfer Fee - International (Outgoing)	N/A
Wire Transfer Fee - International (Incoming)	N/A
Returned Deposit Fee (International)	N/A
Wire Transfer Fee - Domestic (Incoming)	N/A
ATM Reimbursement Monthly Limit	N/A

What features and perks does First Bank Thrive Checking offer?

This account includes the following features:

Fraud monitoring - First Bank Thrive 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 Thrive 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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