Personal Checking

Would you like PERKS with that checking account?
Each of our checking accounts have different features and benefits designed for banking convenience. Learn more about or open a checking account that interests you, or give us a call to get started.


VIP Cash Back Checking
+ PERKS

  • Cash back each month based on how many times you swipe your debit card1
  • No minimum balance to earn cash back
  • VIP PERKS offers enhanced benefits compared to regular PERKS

Cash Back Checking
+ PERKS

  • Cash back each month based on how many times you swipe your debit card1
  • No minimum balance to earn cash back
  • PERKS comes with several money-saving benefits

Cash Back Checking

  • No monthly service fee3
  • Cash back each month based on how many times you swipe your debit card1
  • No minimum balance to earn cash back

VIP Interest Checking
+ PERKS

  • Account pays interest
  • 1.25% APY1 on balances up to $15,000.99
  • VIP PERKS offers enhanced benefits compared to regular PERKS

Interest Checking
+ PERKS

  • Account pays interest
  • 1.25% APY1 on balances up to $15,000.99
  • PERKS comes with several money-saving benefits

Interest Checking

  • No monthly service fee4
  • Account pays interest
  • 1.25% APY1 on balances up to $15,000.99











Compare Accounts

Still not sure which account is best for you? Use the "Compare Accounts" view to see account features and benefits side by side.

Compare Accounts

Cash Back Checking
+ PERKS
Interest
Checking
+ PERKS
Cash Back Checking

Interest Checking

Anywhere Banking Tools

Online banking, mobile banking, bill pay, debit card and eStatement.


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ATM Fee Reimbursements Nationwide
When qualifications* are met.


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Cash Back on Your Checking Balance
Qualify for different amounts of cash back by swiping your debit card (minimum $5 per transaction). More card swipes earns increasing amounts of cash (up to $10 cash back per month).


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Interest on Your Checking Balance
Requirements: Have at least 20 (POS) point of sales debit card transactions that are $5 or greater post and clear per qualification cycle (excluding ATM transactions). Have at least a cumulative total of $500 in Direct Deposits or at least a cumulative total of $500.00 in Automatic Payments post and clear per qualification cycle.




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Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.


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Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.


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Cell Phone Protection1,2
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.


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ID Theft Aid1,2
Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.


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$10,000 Travel Accidental Death Coverage2
Peace of mind for the unexpected.


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Shop Local, Save Local with BaZing Savings
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.


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Buyer’s Protection and Extended Warranty1,2

Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, using your BaZing checking account.


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BaZing Fuel4
Earn at least 10¢/gallon for up to 20 gallons each month with just 15 debit card swipes.


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Billshark3
Let the team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.


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1) Subject to the terms and conditions detailed in the Guide to Benefits. 2) Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 3) Billshark requires additional activation to begin. 4) You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. 5) Interest Checking, Cash Back Checking and Basic Checking: Minimum to open is$100. 6) To qualify for Interest Checking rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle. Have at least accumulative total of $500.00 or more in Direct Deposit or have at least accumulative total of $500.00 or more in automatic payment post and clear per monthly qualification cycle. Have at least 20 POS (Point of Sale) debit card transaction that are $5.00 or greater post and clear per qualification cycle (excluding ATM transactions). Monthly Qualification Cycle: This term means a period beginning on the first day of the month and ending on the last business day of the month. If qualifications are met each monthly qualification cycle: (1) balances up to $15,000.99 receive APY (Annual Percentage Yield) of 1.25%; and portions of balance over $15,000.99 will 0.15% APY depending on the balance. If qualifications are not met on Interest Checking all balances earn 0.01% APY. Qualifying transactions must post to and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account ATM-processed transactions do not count towards qualifying debit card transactions. APY is accurate as of 04/21/22. Interest rates and APY may change. At the bank’s discretion, it may change the interest rate on your account. Fees may reduce earnings. The advertised Interest Checking APY is based on compounding interest. Interest earned in Interest Checking is automatically credited to your account each statement cycle and does not compound. Actual interest amount paid may be less than advertised Interest Checking APY. (2) The bank will reimburse you for domestic ATM fees up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or more. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. A Direct Deposit includes payroll, Social Security, other government benefits, and tax refunds. Limit one account per Social Security Number (SSN). Last revised: 04/21/22






Anywhere Banking Tools

BankFirst checking accounts come with all the digital banking tools you'll need to bank from virtually anywhere. 

ATM Fee Reimbursements Nationwide2



Personal Checking Resources

For your convenience, you can reorder your BankFirst checks online through our Harland Clarke partner's website without having to drop your reorder form off at one of our locations.

  • Easy to use
  • No need to come into a branch
  • Securely encrypted for your protection
Harland Clarke Check Orders
Secure, Fast Ordering
 

Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.























Cash Back Checking + PERKS:

The minimum to open an account is $100.00.  1 To earn cash back, swipe to spend at least $5 on your Cash Back Checking debit card 10 or more times during a “Statement Cycle.” Purchases must be made with the BankFirst debit card associated with the Cash Back Checking account. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Only debit card transactions processed by merchants and received by the bank as point-of-sale (“POS”) transactions count toward qualifying debit card transactions. Automated Teller Machine (ATM) processed transactions do not count toward earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 Cell phone protection up to $400 per claim, maximum $800 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the Guide to Benefits.  5 Billshark requires additional activation to begin.  6 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.  7 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.  8 Up to $80.00 Roadside Assistance of covered service charges which include: towing assistance, battery services, flat tire assistance, fuel, oil, fluid and water delivery service, lock-out assistance, collision assistance, and extrication assistance.  9 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Cash Back Checking:

The minimum to open an account is $100.00.  1 To earn cash back, swipe to spend at least $5 on your Cash Back Checking debit card 10 or more times during a “Statement Cycle.” Purchases must be made with the BankFirst debit card associated with the Cash Back Checking account. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Only debit card transactions processed by merchants and received by the bank as point-of-sale (“POS”) transactions count toward qualifying debit card transactions. Automated Teller Machine (ATM) processed transactions do not count toward earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 $5 paper statement fee waived if enrolled in eStatements.  4 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.

Interest Checking + PERKS:

The minimum to open an account is $100.  1 APY=Annual Percentage Yield. APYs accurate as of 04/01/2022. At our discretion, we may change rates at any time. Fees may reduce earnings. If qualifications are met each monthly qualification cycle, balances up to $15,000.99 receive APY of 1.25% and the portion of the balance over $15,000.99 will earn 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Automated Teller Machine (ATM) processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account. The advertised Interest Checking + PERKS APY is based on compounding interest. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $0.01 in the account each day.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 Cell phone protection up to $400 per claim, maximum $800 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the Guide to Benefits.  5 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.  6 Billshark requires additional activation to begin.  7 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.  8 Roadside Assistance covered service charges include: Towing assistance; Battery service; Flat tire assistance; Fuel, oil, fluid and water delivery service; Lock-out assistance; Collision assistance; and Extrication assistance.  9 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

Interest Checking:

The minimum to open an account is $100.  1 APY=Annual Percentage Yield. APYs accurate as of 04/01/2022. At our discretion, we may change rates at any time. Fees may reduce earnings. If qualifications are met each monthly qualification cycle, balances up to $15,000.99 receive APY of 1.25% and the portion of the balance over $15,000.99 will earn 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Automated Teller Machine (ATM) processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account. The advertised Interest Checking APY is based on compounding interest. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $0.01 in the account each day.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 $5 paper statement fee waived if enrolled in eStatements.