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BankFirst Debit Card Swipe Transaction - InterestEarn Interest Back Each Month 

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

But most importantly, you get paid cash. No short-term offers and no hidden fees. After all, it's your money, so you should benefit the most from it.



Interest Checking + PERKS Includes

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Free online banking & bill pay

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1.25% APY1 on balances up to $15,000.99

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Free mobile banking with mobile deposit

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Portions of balances over $15,000.99 will earn 0.15% APY1

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Free telephone banking

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0.01% APY1 if qualifications aren't met

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Free MasterCard® debit card

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Refunds on ATM withdrawal fees, nationwide2

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Unlimited check writing

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Money saving discounts

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Direct deposit available3

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PERKS benefits

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$100 minimum deposit to open

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eStatement or paper statement

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$0.01 minimum balance to earn rewards



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$6 monthly service fee

Anywhere Banking Tools

ATM  ATM Fee Reimbursements Nationwide2


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

  1. 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).
  2. 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.

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.

Cell Phone Protection

Cell Phone Protection4,5

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).




Let our 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.

BaZing Fuel

BaZing Fuel7

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


Roadside Assistance

Roadside Assistance8

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

Identity Theft Aid

ID Theft Aid1,4,5

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.


Buyer Protection and Extended Warranty

Buyer’s Protection and Extended Warranty5

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.


Accidental Death Coverage

$10,000 Travel Accidental Death Coverage5

Peace of mind for the unexpected. 



Shop Local Save Loca

Shop local, Save Local with BaZing Savings9

Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

Health Savings Card

Health Savings Card

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




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.