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Last Updated: 01/21/2026

FirstBank 55-Plus Checking

from FirstBank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Rewards

N/A

APY (Annual Percentage Yield)

0.03% - 0.05%(Verified 06/21/2024)

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Monthly Maintenance Fee

$0(Verified 01/21/2026)

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FirstBank 55-Plus Checking Review

The FirstBank 55-Plus Checking is offered by FirstBank, a bank founded in 1963 and based in Lakewood, CO. FirstBank 55-Plus Checking is available in 3 states.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
No monthly maintenance fees. This account does not charge any monthly account fees.
$500 minimum opening deposit. This is a typical minimum initial deposit.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in FirstBank mobile or online banking.

FirstBank 55-Plus Checking Pros & Cons

Pros

Cons

Interest-yielding account.
Access to physical branches.
Debit card

No signup bonus.
Does not provide access to a nationwide ATM network.
Only available in 3 states.
Charges a fee on out-of-network ATM transactions.

FirstBank 55-Plus Checking FAQ

Are checking accounts from FirstBank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). 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 FirstBank 55-Plus Checking offer?

FirstBank 55-Plus Checking offers an APY starting at 0.03% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $500.

FirstBank 55-Plus Checking Rates and Terms

Rates

Amount

APY (Annual Percentage Yield)

0.03% - 0.05%

What are the account minimums for FirstBank 55-Plus Checking?

FirstBank 55-Plus Checking requires a minimum initial deposit of $500.

FirstBank 55-Plus Checking Minimums

Description

Minimum Balance to Earn APY

$500

Minimum Opening Deposit

Starting at $500

What fees does FirstBank 55-Plus Checking charge?

The good news is that this account does not have a monthly Service Charge.

FirstBank 55-Plus Checking Fees

Description

Monthly Maintenance Fee

Paper Statement Fee

Starting at $3

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

$34

Overdraft Item Fee

Starting at $34

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $10

Bank Teller Fee

Check Cashing Fee

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $30

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $30

Wire Transfer Fee - International (Outgoing)

Starting at $45

Wire Transfer Fee - International (Incoming)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $10

Does FirstBank 55-Plus Checking charge overdraft fees?

Yes, FirstBank 55-Plus Checking charges a $34 fee for every overdraft.

What features and perks does FirstBank 55-Plus Checking offer?

This account includes the following features:

Fraud monitoring - FirstBank 55-Plus Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - FirstBank 55-Plus Checking allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.

What is the customer support email for FirstBank 55-Plus Checking?

The customer support email for FirstBank 55-Plus Checking is banking@efirstbank.com.

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Message from FirstBank 55-Plus Checking

FirstBank 55-Plus Checking, To reward you for being born at least 55 years ago, you receive an interest bearing checking account with no minimum balance and no monthly service charges.

Contact

Headquarters

12345 W. Colfax Ave.

Lakewood, CO 80215

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday9:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 12:00PM

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Bonus Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

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Bonus Offer

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Cashback Rewards

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Bonus Offer

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Cashback Rewards

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APY (Annual Percentage Yield)

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.