Personal Checking Accounts

You make the money. We make it easy.

The first is still the best.

Think it’s hard to fit a first-class checking account into a digital device? We don’t, since we have been doing it for over 25 years. But we think money deserves more than just a digital wallet. So, enjoy transferring funds easily, using Zelle® and depositing checks. It’s banking on your own terms. Anytime and anywhere, with all the confidence that comes with FDIC insurance. Take a look, and see which checking account is right for you.

Checking account rates last updated 12/11/2025 The checking account rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Fees may reduce earnings on account. You must maintain an average daily balance of $500 to avoid a monthly maintenance fee and earn interest for an Interest Checking account. The Daily Balance method is used to calculate interest.

Interest Checking

Easy to open. Easy to use. Interest-ed?

Open Account

Open with as little as	$100
Annual Percentage Yield (APY)	0.50%
Interest rate	0.50%
Monthly maintenance fee	$10
Average daily balance to avoid fee	$500
ATM surcharge rebate Up to $10 per month	YES

Free Checking

It’s free checking that’s really free.

Open Account

Open with as little as	$25
Annual Percentage Yield (APY)	0.00%
Interest rate	0.00%
Monthly maintenance fee	None
Average daily balance to avoid fee	None
ATM surcharge rebate Up to $10 per month	None

Make every day a better banking day!

Zelle®

The fast, easy way to send money.

Learn More

On-the-go banking

Fast digital banking that’s just as convenient when you are on the go with our mobile app.

ATM fees

When you need cash, why should you have to pay for it? Get up to $10 in ATM fees reimbursed every month.

Bill pay

Quickly set up automatic withdrawals for all your bills, even with mobile banking.

Testimonials

What are people really saying?

“I’ve been with the bank for over 25 years. There’s nothing I can’t do without a physical branch. The check deposit feature, ATM withdrawals, online bill pay, online transfers between accounts, etc. all work great.”Willy A.

“Fantastic experience so far. It is easy to sign up, easy to transfer funds. Customer support is by email but is super quick and responsive.”Joe P.

“I have had accounts with First IB for over 20 years. The staff are very friendly, efficient and knowledgeable. They had me taken care of in mere minutes, and called back later to assure that everything was correct and to my satisfaction.”Russel Y.

CDs

Your award-winning CD account awaits.

Open Now

Loans & Credit Cards

Bring some flexibility to your future.

Apply Today

Business Checking

High-powered tools for high-powered business at any size.