Day-to-Day Banking, Simplified.
For everyday spending, we offer both interest-earning and free checking accounts. Both include a debit card and free, unlimited online banking and mobile banking. We also offer optional overdraft protection, multiple ways to make deposits, and free electronic statements.
Checking Accounts That Work
For further details, refer to: Fees Common to All Personal Accounts, Truth in Savings Disclosure - Free Checking, Truth in Savings Disclosure - Interest Checking, Deposit Account Terms and Conditions.
Rates last updated __DATE__. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. Fees may reduce earnings on account. Interest is calculated using the average daily balance method and compounds monthly.
In this busy day and age, you can avoid the hassle of writing checks or carrying cash for everyday purchases. The First IB debit card, offered automatically with every First IB Checking Account, is accepted everywhere you see the VISA® sign. That’s more than 18 million merchant locations worldwide!
- Pay with a swipe As always, you can swipe your card to make a purchase anywhere Visa is accepted. You may have the option to choose debit or credit. If you choose "credit", just sign and go! If you choose "debit", you'll need to enter your PIN - and some merchants may offer you cash back without a surcharge.
- Get cash at ATMs Locate the PLUS® ATM nearest you. Withdraw cash using your First IB Debit Card at ATMs displaying the PLUS® symbol: over 1.1 million ATMs worldwide. Best of all, you won’t be charged a fee by First IB for ATM withdrawals.
- ATM-only Cards An ATM-only card, which allows cash withdrawals at ATMs but cannot be used to make purchases through the Visa network, is available upon request.