BankFirst VIP PERKS checking accounts save you money, whether it's VIP Cash Back Checking + PERKS—our flagship checking account that pays you cash back each month depending on how many times you swipe your debit card—or VIP Interest Checking + PERKS which earns interest and saves you money on the things you're already paying for.
The main difference in VIP PERKS (compared to regular PERKS) is that VIP PERKS accounts come with higher coverage amounts for Cell Phone Protection, Accidental Death and Common Carrier Insurance, and ID Theft Aid.

Money-Saving Benefits

Below are some money-saving perks that come with our VIP PERKS checking accounts.
Cracked iPhone screen

Phone Repair Icon - Cracked phone screen

VIP Enhanced

Cell Phone Protection

Vehicle with hood open while man looks over at the engine

Roadside Assistance Icon - Steering wheel

Roadside Assistance

Surprised woman looking at paper statement

Billshark icon - Shark fin with dollar sign

Bill Negotiation

Fingers on computer keyboard

Identity Theft Icon

VIP Enhanced

ID Theft

Broken TV screen

Buyer Protection Icon - Shield with dollar sign

Buyer’s Protection and Extended Warranty

Airplane wing in the sky

Accidental Death Icon

VIP Enhanced

Travel Accidental Death Coverage

Shop Local Icon - Shopping bag with dollar sign

Local Savings with BaZing

Log In to Save

Existing VIP PERKS customers can bookmark and log in here or use the mobile app.

PERKS Mobile App Icon

Download the App

Once you have a BankFirst PERKS checking account, you can download the BankFirst PERKS mobile app to take advantage of the benefits offered through BaZing.

apple store icon   Google Play icon

VIP PERKS Icon - Green Background
Below are some of the PERKS that come with BankFirst VIP PERKS checking accounts. For the full benefits, view our VIP PERKS Benefits Reference Guide.
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.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 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 (must be logged in) 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.

Business Owner?

If you're a business owner or representative who wants to become a part of the BaZing Network to offer discounts to PERKS (BaZing) customers in your market you can simply register here to get started.

1 Cell phone protection up to $600 per claim, maximum $1200 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the BankFirst VIP PERKS Benefits Reference Guide.
3 Credit monitoring, identity monitoring, and Billshark require additional activation 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), 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.