Online Checking Accounts

A FDIC-insured checking account that’s virtually everywhere with features that protect your most valuable asset, time.

open an account

A bank at your fingertips? Some say we were on to something when we started online banking more than 20 years ago. Did we mention benefits designed specifically with our customers in mind?  Go on, keep reading…

Living your best life requires certain tools of the trade

Mobile Banking
Securely access your Interest or Free Checking Account on the go. And of course, deposit checks right from your phone with our app.

ATM Fees
Access your money, anywhere. Withdraw from your checking account at any ATM and we’ll cover the fee — up to $10 per month.

Bill Pay
Use your checking account to make payments, receive electronic bills, and set up automatic payments in no time, all from anywhere.

Don’t just take
our word for it

“This is the best internet bank!  I have been a satisfied FirstIB customer for over 10 years.  I joined when internet banking was new – FirstIB was the best then, and keeps getting better. “

– David R. in Illinois 

Choices. Check.

Whether you choose our Interest Checking or Free Checking account, these offerings are always included.

  • Online and mobile bill pay
  • Electronic bank statements
  • Incoming wires
  • First order of checks
  • Debit card
  • Incoming ACH transfers
  • Zelle payments
Account Details Interest Checking
open an account
Free Checking
open an account
Open with as little as $100 $25
APY (Annual Percentage Yield) 0.50% Does not pay interest
Interest rate 0.50% Does not pay interest
Monthly maintenance fee $10 None
Balance to avoid fee and earn interest $500 Average daily balance None
ATM surcharge rebate YES – Up to $10 per month None

Checking account rates last updated 5/7/2024. 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 checking account. Interest is calculated using the average daily balance method and compounds monthly. Free checking accounts are unaffected by interest rates.

Make it a Combo!

Ready to start enjoying all the benefits of digital banking? If you are considering opening a personal checking account, we make it easy to apply for both a checking and savings at the same time.  We have plenty of combos for you to enjoy.

Free Checking Account + Free Savings


Interest Checking Account + Money Market


Mobilize your money with Zelle®.


Send money
fast in just a
few steps.


Settle up with
roommates, friends
and more, regardless
of where they bank1.


Easily divide the
check for dinner,
coffee and more.


We would love to chat. Get in touch however you feel most comfortable.

1 Must have a bank account in the U.S. to use Zelle.