VIP Cash Back Checking + PERKS

VIP Cash Back Checking with PERKS powered by BaZing is a checking account that pays you back for using your BankFirst Mastercard® debit card. Swiping your card more earns you more cash back each month.1 Plus, you get the VIP PERKS of BaZing—all for only $9 a month.

The everyday purchase account.

This account is perfect for everyday purchases, because it puts cash back into your account each month depending on how many times you swipe. We'll boost your monthly budget even more with refunds on ATM withdrawal fees, nationwide!2

Designed to save you money—not just on your banking—but on other things you need in life.

  • Free paper statement or free online statements
  • Cash back each month based on how many times you swipe your debit card1
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)2
  • No minimum balance to earn cash back
  • Free Anywhere Banking Tools
  • Unlimited check writing
  • Direct deposit available3
  • $100 minimum deposit to open

Anywhere Banking Tools

A VIP Cash Back Checking + PERKS account comes with all the digital banking tools you'll need to bank from virtually anywhere. 

ATM Icon

ATM Fee Reimbursements

BankFirst debit cards come with ATM fee reimbursements nationwide!2

Swipe more, earn more

Earn up to $10 Cash Back Each Month

To earn cash back, swipe1 your card and spend at least $5 on your VIP Cash Back Checking + PERKS debit card 10 or more times during a statement cycle. After the first 10 swipes, get increasing amounts of cash back each month based on how many times you swipe your card to spend $5 or more.
# of Debit Card Swipes
(of at least $5.00 or greater post and clear per statement cycle)
Cash Back Earned
(and credited on the last day of your statement cycle)
9 or fewer $0.00
10-24 $1.00
25-49 $2.50
50-74 $5.00
75 or more $10.00

75 or more debit card swipes of $5 or more earns $10 cash back, which covers the cost of VIP PERKS benefits ($9/mo) and leaves you with a net profit of $1 in your account—better than free!

Open VIP Cash Back + PERKS Account



Below are some of the "VIP perks" that come with BankFirst VIP PERKS checking accounts. Please visit our VIP PERKS page to learn more about the benefits that come with BankFirst VIP PERKS accounts.

Pay your cell phone bill with your PERKS checking account, and you’re covered. BaZing will pay to have it repaired or replaced up to $400 per claim, maximum of $800 per year.1,2

Earn at least 10¢ per gallon for up to 20 gallons each month with just 15 debit card swipes.4

Available 24/7 and free to use, this perk 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

$10,000 Lifetime Personal Identity Theft Benefit plus the following:1,2,3

  • Credit & Online Identity Monitoring: Your credit report and online identity are monitored for suspicious activity.
  • Credit Report & Score: Get a free quarterly credit report and updated credit score.
  • Identity Restoration & Payment Card Fraud Resolution: Receive expert help on fraud resolution if you become victim of identity theft.
Buyer's Protection and Extended Warranty will replace, repair, or reimburse you up to the original purchase price, less any shipping charges, for purchases of items such as TVs, tablets, laptops, computers, Wi-Fi routers, printers, scanners and other computer peripherals, digital and video cameras, home theater systems, electronics, appliances, DVD and DVR players, mobile electronics, video game consoles…just to name a few.2
View the VIP PERKS Benefits Reference Guide for full details.
If you die as a direct result of a Covered Accident within 365 days from the date of the accident, you're covered for $25,000 accidental death coverage. If you die as a result of a Covered Accident while traveling on a Common Carrier, you're covered for $100,000 death benefit. Refer to the complete coverage description and exclusions in the VIP PERKS Benefits Reference Guide. Benefit is per eligible account holder.2

Get local discounts and national retailer deals to save you money on shopping, dining, travel, and more.6

To find deals near you go to and search by ZIP code, city and state or merchant under Local or Online Deals, or use the BankFirst PERKS (by BaZing) mobile app.

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 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!"


Build up your nest egg with a Savings account!

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Wealth Management

Let us help you plan your financial future.

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Protect you, your loved ones and your finances.

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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.

1 Cell phone protection up to $600 per claim, maximum $1,200 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the VIP PERKS Benefits Reference Guide.


3 Identity monitoring, credit monitoring, and Billshark require additional activation for monitoring 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). 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 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.