Online Checking Accounts

A 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. All of the online checking account tools and services needed to be one of the Best Checking Accounts of 2021… And who doesn’t want the best?

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, Covered

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 and always free.

  • Online and mobile bill pay
  • Electronic bank statements
  • Incoming wires
  • First order of checks
  • Debit card
  • Incoming ACH transfers
  • Zelle payments
Interest Checking
open an account
Free Checking
open an account
Open with as little as $100 $25
APY (Annual Percentage Yield) 0.30% Does not pay interest
Interest rate 0.30% Does not pay interest
Monthly maintenance fee $10 None
Balance to avoid fee $500 Average daily balance None
ATM surcharge rebate YES – Up to $10 per month None

Checking account rates last updated 9/14/2021. 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.

We’re ready when you are

Choose the checking account that works best for your needs, your goals and your dreams. Open an online checking account today!

Mobilize your money with Zelle®


Send money
fast in just a
few steps.


Settle up with
roommates, friends
and more, regardless
of where they bank2.


Easily divide the
check for dinner,
coffee and more.


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