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Interest Checking + PERKS

Interest Checking with PERKS powered by BaZing is a checking account that pays you interest every month.1 Plus, you get the PERKS of BaZing—all for only $6 a month. Maintain a $0.01 minimum balance to earn rewards and you get nationwide ATM withdrawal fee refunds.2


Open INTEREST CHECKING + perks Account

Banking Tools  |  Rewards  |  PERKS

Earn interest back each month.

Get paid cash for the interest your account 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 $15,001.00
  • Portion of balances over $15,001.00 will earn between 1.25% to 0.15% APY1
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)2
  • Free paper statement or free online statements
  • PERKS Benefits
  • Free Anywhere Banking Tools
  • Unlimited check writing
  • Direct deposit available3
  • $100 minimum deposit to open
  • $0.01 minimum balance to earn rewards
  • $6 monthly service fee

Anywhere Banking Tools

An Interest Checking + PERKS account comes with all the digital banking tools you'll need to bank from virtually anywhere. 
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Hands holding a cell phone while making a mobile deposit

Mobile 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 meet 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.
 
 
 PERKS Bazing Icon  
Below are some of the "perks" that come with BankFirst PERKS checking accounts. Please visit our PERKS page to learn more about the benefits that come with BankFirst PERKS accounts.
 
Pay your cell phone bill with your BaZing checking account, and you’re covered. We’ll pay to have it repaired or replaced, up to $400 per claim (maximum of $800 per year).1,2
Earn 10¢/gallon for up to 20 gallons each month with just 15 debit card swipes.4
Available 24/7 and free to use, covers up to $80 in covered service charges per occurrence.5
Let our team of experts negotiate your internet, cell phone, cable, satellite, home security, and more. Or let us find recurring subscriptions you no longer need and help with cancellation. BaZing members receive preferred pricing for Billshark negotiation services, which will be reflected in the cart at sign-up. Savings are guaranteed or the service is free.3

Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity and cancel payment cards.

Personal Identity Theft Benefit: Receive $2,500 reimbursement for your covered expenses incurred to restore your identity.1,2

Helps customers create state-specific and legally binding documents such as Wills, Health Care Proxies, Powers of Attorney, and more.3
Get help negotiating medical bills from an expert bill negotiator powered by PointHealthTech.3
Preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet RX and more!2,3

Your newly purchased item can be reimbursed or replaced if an accident or theft occurs within 180 days of purchase, when purchased using your BaZing (PERKS) checking account.2
Peace of mind for the unexpected.2
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.6
This benefit offers discounts and preferred pricing for prescriptions, eye care and hearing services at participating providers. A list of participating providers is available online at www.BaZing.com. The discounts cannot be combined with your primary insurance. However, you may choose the coverage that provides the best benefit to you. Health savings benefits are not insurance.





























"I saved $42 on a fill-up with BaZing Fuel rewards!"










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Let us help you plan your financial future.

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INTEREST CHECKING NOTES
 
The minimum to open an account is $100.  
 
1 APY=Annual Percentage Yield. APYs accurate as of 04/01/2025. The interest rate on your account is 1.000% with an annual percentage yield of 1.00%. At our discretion, we may change the interest rate on your account. Fees may reduce earnings. If you do not meet the eligibility requirements during the qualification cycle, the rate paid on your account on the entire balance will be 0.010% with an Annual Percentage Yield (APY) of 0.01%. If you meet the eligibility requirements during the qualification cycle, the interest rate and annual percentage yield 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. 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.
 
 
PERKS NOTES
 
1 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 Benefits Reference Guide. 
 

2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

3 Billshark, Financial Wellness, Pet Insurance, and Medical Bill Negotiation each require additional activation to begin. Refer to the Benefits Reference Guide for further details.

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 BankFirst, each of which may be lower. To activate, you will need to have online banking with BankFirst. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. 
 
5 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.
 
6 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.