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Interest Checking

Interest Checking is a checking account that pays you interest1 every month. 

There’s no monthly service charge. Plus, meet monthly qualification requirements1 and you’ll get nationwide ATM withdrawal fees reimbursed up to $15 per month2.

Open INTEREST CHECKING Account

Banking Tools  |  Rewards

 

Earn interest back each month.

Get paid cash for the interest your accounts earns each month. No short-term offers and no hidden fees. After all, it's your money, so you should benefit the most from it.
  • Account pays interest
  • 1.25% APY1 on balances up to $15,00.99
  • Portions of balances over $15,000.99 will earn between 1.25% and 0.15% APY1
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)2
  • $5 paper statement fee waived if enrolled in Online Statement4
  • Free Anywhere Banking Tools
  • Unlimited check writing
  • Direct deposit available3
  • $100 minimum deposit to open
  • No monthly service fee4

Anywhere Banking Tools

An Interest Checking account comes with all the digital banking tools you'll need to bank from virtually anywhere.
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Online Banking


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Mobile Banking


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Telephone Banking


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Online Statements


BankFirst Debit Card

Debit Card


BankFirst Mobile Wallet

Mobile Wallet


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Bill Pay








ATM Icon

ATM Fee Reimbursements

BankFirst debit cards come with ATM fee reimbursements nationwide!2




REWARDS REQUIREMENTS

Earn up to 1.25% APY1

Simply meeting the following requirements each month to earn above the minimum APY1 rate:

  • Have at least 20 POS (Point of Sale) debit card transactions that are $5.00 or greater post and clear per monthly qualification cycle (excluding ATM transactions).
  • Have at least a cumulative total of $500.00 in Direct Deposit(s) or have at least a cumulative total of $500.00 in Automatic Payment(s) post and clear per monthly qualification cycle.
























































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INTEREST CHECKING NOTES
 
1 Limit one Interest Checking Account per Social Security Number. Minimum to open $100. Monthly Qualification Cycle means a period beginning on the first day of the month and ending on the last business day of the month. To qualify for Interest Checking rates and receive ATM reimbursements, you must perform the following during the monthly qualification cycle: (a) Have at least 20 POS (Point of Sale) debit card transactions that are $5.00 or greater post and settle to your account (excluding ATM transactions) (b) Have at least a cumulative total of $500.00 or more in direct deposit or have at least a cumulative total of $500.00 or more in automatic payments post and settle to your account.  If Interest Checking qualifications are met each monthly qualification cycle:  the Annual Percentage Yield (APY) listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier. Tier 1: 1.25% APY for daily balance up to $15,000.99 and Tier 2: daily balance range greater than $15,000.99 will range from 1.25% APY to 0.15% APY.  If qualifications are not met, the entire balance earns 0.01% APY.   Fees may reduce earnings and rates may change at any time.  Interest is compounded monthly and credit to account monthly.  Pending transactions do not count toward qualifying transactions.  All qualified transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to your account. Automated Teller Machine (ATM) processed transactions do not count toward qualifying debit card transactions.
 
2 The bank will automatically credit your account to reimburse you for domestic ATM fees up to $15 per month. 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 monthly qualification cycle in which the reimbursement was applicable. ATM receipt must be given to us in order to be reimbursed for any individual ATM fee of $5.00 or more.  
 
3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.
 
4 $5 paper statement fee waived if enrolled in eStatements.