Personal Checking

We offer a variety of personal checking accounts to fit your needs.

FirsTier Checking

Our most popular checking account gives you the most value for your money. ATM cards, VISA check card, online banking and bill pay available.

• $100.00 minimum deposit to open
• No per item charge
• No service charge if daily balance is greater than $500.00
• $10.00 service charge for daily balance $0.00-$99.99
• $8.00 service charge for daily balance $100.00-$499.99

Summit Checking

Our interest bearing checking account for customers 55 and over - with no monthly service charges. ATM cards, VISA check card, online banking and bill pay available.

• No monthly Service Charge 
• No per item charge
• $100.00 minimum deposit to open

NOW  Checking

Earn interest now while still retaining access to your funds. ATM cards, VISA check card, online banking and bill pay available.

• $100.00 minimum deposit to open
• $500.00 minimum daily balance
• $10.00 service charge in minimum daily balance is not maintained

• $0.25 per debit and credit will be charged if minimum daily balance is not maintained

Value Checking

Our most economical product.  ATM cards, VISA check card, online banking and bill pay available.

• No minimum balance
• $100.00 minimum deposit
• Monthly maintenance fee of $3.00, includes 25 debits & credits ($0.25 per credit and debit over the 25)

ATM Access Card

A FirsTier Bank ATM Access Card can be tied to any of our personal checking accounts --- offering access to ATMs across the country and around the world. When traveling, use your FirsTier Bank ATM card at thousands of ATMS displaying the Plus symbol. Best of all, we’ll reimburse ATM transaction fees charged by FirsTier for accessing another bank’s ATM --- just bring in your monthly statement.

VISA Debit Card

The VISA® Debit Card is a convenient and safe way to pay for shopping at stores or dining out. It's not a credit card, but a debit card -- with the added power of the VISA® symbol. Just think of the VISA® Debit Card as an ATM Card and your checkbook rolled into one. You can use your Debit card to get cash at over 400,000 ATM locations, and you can use it to pay for your everyday purchases at over 14 million VISA locations worldwide.

Using your VISA ®Debit Card couldn't be easier. First, present your card at the time of purchase and the amount will be deducted from your checking account. Save your receipt for easy record keeping. Second, enter the transaction in your checkbook register just like you would a check. Third, check your monthly statement to verify your purchases. To use your VISA® Debit Card at an ATM, insert your card, enter your PIN and follow the step-by-step instructions displayed on the screen. Every transaction will be detailed on your bank account statement.

FIRSTIER OVERDRAFT PROTECTION

FirsTier Overdraft Protection is a line of credit attached to your checking account that protects your  account from overdrafts. Your FirsTier Overdraft account is a smart and flexible way to access funds in excess of your current checking account balance without incurring any overdraft fees.

Accessing your FirsTier Overdraft account is as easy as writing a check, making an ATM withdrawal or using your FirsTier Debit card for purchases. Your FirsTier Overdraft account automatically advances funds into your checking account in increments of $100. When your application is processed, a credit limit will be approved.

Did you know?

• Apply online for a VISA credit card.
• For more information, please see our Fee Schedules.