VIP 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 $9 a month. Maintain a $0.01 minimum balance to earn rewards and you get nationwide ATM withdrawal fee refunds.2

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 $15,000.99
  • Portions of balances over $15,000.99 will earn 0.15% APY1
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)2
  • Free paper statements or free online statement
  • VIP PERKS Benefits
  • Free Anywhere Banking Tools
  • Unlimited check writing
  • Direct deposit available3
  • $100 minimum deposit to open
  • $0.01 minimum balance to earn rewards
  • $9 monthly service fee

Anywhere Banking Tools

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

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ATM Fee Reimbursements

BankFirst debit cards come with ATM fee reimbursements nationwide!2


Earn up to 1.25% APY1 

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

  • 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.



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 $600 per claim, maximum of $1,200 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 the original purchase price (up to $2,500 per occurrence), 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.

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 VIP 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.


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 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.