Online Checking Accounts
Chances are, your days are pretty busy. So don’t let your banking slow you down. Our FDIC-insured checking accounts give you everything you need and nothing you don’t with anytime, anywhere convenience. That way, you can quickly get done and get on with your life.
Think it’s hard to fit an entire first-class checking account into a digital device? We don’t. In fact, we have been doing it for over 25 years – that’s a long time, so you can be sure we do it right! And account benefits? Just keep reading…
Make every day a better banking day!
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.
We don’t like to brag…but…
“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 them out!
Interest Checking or Free Checking – choose what’s right for you.
- Online and mobile bill pay
- Electronic bank statements
- Incoming wires
- First order of checks – upon request
- 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) | 0.50% | 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 7/3/2025. 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 fee and earn interest for an Interest Checking account. The Daily Balance method is used to calculate interest. For additional information, visit our Disclosures page.
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
Money moves faster with Zelle®
Send
Send money
fast in just a
few steps.
Split
Easily divide the cost of dinner and more.
Questions?
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.