Get all the checking basics you expect from First Bank, including unlimited checks, ATM fee refunds, and a free debit card.

Key Features

  • Refunds on ATM Withdrawal Fees*
  • Unlimited Check Writing
  • Free Online Banking
  • Simple, everyday checking
  • Waivable $6 monthly service charge
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Unlimited check writing
  • Free online banking, including:
    • First1Online Banking
    • First1Mobile banking
    • eStatements
  • Free Mastercard® debit card
  • Identity theft protection available
  • $100 minimum deposit to open

Make your monthly service charge disappear.

When you do either of the following activities in your InControl Checking account during a Monthly Qualification Cycle, your monthly service charge of $6 will be waived:

  • Have at least 6 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

Fee is not waived if at least one of these activities does not occur.

Your fee refund will be credited to your InControl Checking account in the last day of the current statement cycle. Rewards are variable and may change after account is opened.

Want an account that earns rewards for doing similar activities? Look no further than our Kasasa®checking accounts!

Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer under a licensing agreement.

Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your InControl account during each Monthly Qualification Cycle:

  • At least six (6) debit card purchases must post and settle, or
  • Be enrolled in and have agreed to receive eStatements rather than paper statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by First Bank as ATM transactions, and purchases made with debit cards not issued by First Bank. Transactions bundled together by merchants and received by First Bank as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

See our website or contact one of our customer service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
When your InControl account qualifications are met during a Monthly Qualification Cycle the $6.00 monthly service charge will be eliminated.

If both, six (6) debit card purchases post and settle AND your account is enrolled to receive eStatements rather than paper statements, you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your InControl account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (30) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your InControl account's qualifications are not met, the account's monthly fee is not eliminated and nationwide ATM withdrawal fees are not refunded.

The account's monthly fee will be charged to the account on the last day of the current statement cycle

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100 minimum deposit is required to open the account.

Enrollment in electronic services (e.g. First1Online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our customer service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Kasasa and InControl are trademarks of Kasasa, Ltd., registered in the U.S.A.