• Home

On-Budget Checking

The access you want. No overdraft fees. No monthly fee.

Managing life without a checking account can cost you money over the year in check-cashing, bill-pay, and money-transfer services. On-Budget Checking gives you a safe, low-cost banking reset—perfect for first-time account holders or anyone rebuilding financial health.
 
Your money stays safe and accessible 24/7—fee-free through our ATM network and with your BankFirst Debit Card anywhere Mastercard® is accepted. If your account funds are insufficient to cover a transaction, it simply won’t go through protecting your financial health and your peace of mind.



























An alternative to a traditional checking account with everything you need,without the possibility of overdraft fees that can impact your financial health.
 
BankFirst is proud to offer a certified Bank On-aligned checking account, strengthening financial health across our communities. Visit any branch where our local bankers are ready to guide you every step of the way.




























































  • No overdraft fees1
  • No monthly service charge
  • No minimum balance requirement
  • Open with $25+ (in-branch, in-person)
  • Free Online & Mobile Banking
  • Optional savings builder with Every Penny Counts
  • Account upgrade eligibility after 12 months in good standing2
  • Access your money at the nearly 40,000 MoneyPass® ATMs nationwide, fee-free through our ATM network and access to the MoneyPass ATMs


Anywhere Banking Tools

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






1. Insufficient funds: Transactions that would overdraw the account are returned, and ATM/everyday debit card transactions are declined if funds are insufficient.
2. Account conversion/upgrade: After 12 consecutive months in good standing, you may apply for conversion to a standard BankFirst checking product, subject to approval and normal account requirements. If approved, the new account will follow the terms and conditions in effect at the time of conversion.