FirstBank 55-Plus Checking
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| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.03% - 0.05% (Verified 07/16/2022) |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | N/A |
FirstBank 55-Plus Checking Review
FirstBank 55-Plus Checking is offered by FirstBank, a bank founded in 1963 and based in Lakewood, CO. FirstBank 55-Plus Checking are available in 3 states across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.05%.
- $0 monthly fee. This account does not charge any monthly account fees.
- $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Bill pay. Pay your bills to practically anyone in the United States through FirstBank.
FirstBank 55-Plus Checking Pros & Cons
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FirstBank 55-Plus Checking FAQ
Are checking accounts from FirstBank federally insured?
Yes, your deposits are insured up to $250,000 per person 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.
| 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 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $500 |
| Minimum Balance to Earn APY | $500 |
What fees does FirstBank 55-Plus Checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2.50 |
| Bank Teller Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 3% |
| NSF Fee | $34 |
| Overdraft Item Fee | $34 |
| Overdraft Protection Fee (per transfer) | $10 |
| Returned Deposit Fee (Domestic) | $12 |
| Stop Payment Fee | $30 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $10 |
| Wire Transfer Fee - International (Outgoing) | $45 |
| Paper Statement Fee | $3 |
| Online Bill Pay Fee | $0 |
| Check Copy | $1 |
| Check Cashing Fee | $0 |
| Debit Card Replacement Fee | $10 |
Does FirstBank 55-Plus Checking charge overdraft fees?
Yes, FirstBank 55-Plus Checking charges a $34 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.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.
Message From FirstBank 55-Plus Checking
Contact
- Headquarters
-
12345 W. Colfax Ave.
Lakewood, CO 80215 USA - Visit Site
- Email Support
Other Services by FirstBank
Availability
- Arizona
- California
- Colorado
Feature Breakdown
| Minimum Opening Deposit | Starting at $500 |
| Minimum Balance to Earn APY | $500 |
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