Personal Checking
Personal Checking
With the many personal checking accounts we offer you will find the one that’s just right for you.
Account Benefits you may receive at no charge*
Online Banking – online access to your account
Money Management – personal financial management tool
Mobile Banking App+ – access your account on your smartphone
Snap Deposit – make deposits on your smartphone
Touch ID – use your fingerprint as your login
Debit Card – access your money for purchases and cash
Brella App – manage and protect your debit card
Mobile Wallet – use your smartphone for contactless payments
FIRSTLine Banking – 24 hour telephone banking
FIRST Vantage
- Best account for: Debit card usage and no charge for bill pay
- Minimum opening deposit: $100
- Minimum daily balance required: None
- Earns interest: N/A
- Restrictions per monthly statement cycle:** Service charge of $5 will be assessed unless the account has 15 or more posted POS/debit card transactions in a monthly statement cycle.
- Monthly statement: online statement – no charge. Paper statement – $5
FIRST Choice
- Best account if you want: Simple, easy and no monthly balance to maintain
- Minimum opening deposit: $100
- Minimum daily balance required per monthly: None
- Earns interest: NA
- Restrictions per monthly statement cycle: None
- Monthly statement: online statement – no charge. Paper statement – $5
FIRST Start Student
- Best account if you want: No minimum monthly balance to maintain and bill pay at no charge*
- Minimum opening deposit: $50
- Minimum daily balance required: None
- Earns interest:** NA
- For: Students only
- Monthly statement: online statement no charge
Account eligibility requirements apply. Valid student ID required to open account. Cannot be over 26 years old.
You must be 18 to receive a debit card.
FIRST Freedom Club
- Best account if you want: Interest bearing and to receive one box of wallet checks annually, at no charge
- Minimum opening deposit: $100
- Minimum daily balance required per monthly statement cycle to avoid service charge: $100
- Service charge: $5
- Earns interest:** Yes, except balances under $100
- For: Persons 55 and older only
- Monthly statement: paper or online statement with images no charge
Account eligibility requirements apply. Account holder must be age 55 or older to open account.
FIRST Rewards
- Best account if you want: Interest bearing and bill pay at no charge*
- Minimum opening deposit: $100
- Minimum daily balance required per monthly statement cycle to avoid service charge: $2500
- Service charge: $7
- Earns interest:** Yes, tiered
- Transaction limits:*** NA
- Monthly statement: online statement only, no charge
Account eligibility requirements apply. Account available only for sole proprietorships, Individuals, nonprofit organizations, and other government entities.
NOW Account
- Best account if you want: Interest bearing
- Minimum opening deposit: $250
- Minimum daily balance required per statement cycle to avoid service charge:
$10 service charge if under $1,000
$12 service charge if under $500 - Earns interest:** Yes, except balances under $500
- Transaction limits:*** Yes
- Monthly statement: online or paper statement no charge
Account eligibility requirements apply. Account available only for sole proprietorships, Individuals, nonprofit organizations, and other government entities.
A1 Money Fund
- Best account if you want: Interest bearing
- Minimum opening deposit: $2,500
- Minimum daily balance required per monthly statement cycle to avoid service charge: $1,000
- Service charge: $10
- Earns interest:** Yes, tiered, except balances under $1,000
- Transaction limits:*** Yes
- Monthly statement: online or paper statement no charge
Not eligible for debit card, Brella App or Mobile Wallet.
*Internet, data, and text message rates may apply; check with your provider for applicable charges.
**Speak with a customer service representative for product terms and requirements.
Sales tax may apply to fees and charges.
*Internet, data, and text message rates may apply; check with your provider for applicable charges.
**Check with your banking center for current rates and minimum balance requirement to earn interest.
Sales tax may apply to fees and charges.
*Internet, data, and text message rates may apply; check with your provider for applicable charges.
**Check with your local banking center for current rates and minimum balance requirement to earn interest.
***Speak with a customer service representative for product terms and requirements.
Sales tax may apply to fees and charges.
About the benefits of our personal checking accounts.
Imelda
Chaparral, New Mexico