First Performance Checking Account

What does your checking account pay?
  • Earn up to 4.07% APY*!
  • Gain access to over 55,000 surcharge-free ATMs.
  • Manage easily by banking digitally.

Earn up to 4.07% APY*!

When you do the math, it really adds up with First Performance Checking! 

Earning a higher-than-average interest rate on your money is really simple. Just swipe and earn with First Bank!

1.  Pay at the pump. 6. Grab a coffee. 11. Lunch with co-workers.
2. Purchase from Amazon. 7. Shop at the grocery store. 12. Dine at a favorite restaurant.
3. Pay a bill. 8. Order concert tickets. 13. Fill up your spouse's car.
4. Pick up snacks for a trip. 9. Buy a birthday gift. 14. Purchase new shoes.
5. Enjoy a date night. 10. Shop for DIY supplies. 15. Get take-out on your way home.
  • Earn up to 4.07% APY*.

That's it.  

It's that simple. Plus, you have access to your money with the Allpoint® Network and over 55,000 surcharge-free ATMs throughout Missouri, Illinois, California, and beyond.

So ask yourself again, what does your checking account pay?

First Performance Checking FAQs

See the First Performance Checking Account Guide for more information and exact dates of all Qualification Periods and Other Key Dates, such as Evaluation Dates, Analysis/Statement Dates, and Dates When Interest Rates May Change. The Table of Dates is updated annually. Each month, we also provide certain key dates in a statement message on each First Performance Checking Account.

To allow time to activate a debit card, and begin making debit card purchases, we will waive all account transaction requirements for the first Qualification Period. During this time, there will be no monthly maintenance fee, and you will enjoy a premium interest rate on account balances up to $25,000 through the second Evaluation Date. For full details, please review the First Performance Checking Account Guide.

The interest rate will display as 0.00% because the account can earn two different interest rates at the same time (a premium interest rate for balances of $0.01 to $25,000.00 and a lower interest rate for balances $25,000.01 and over). If the interest rate is displayed as 0.00%, this signifies that it is a Qualifying Account and is earning the highest interest tier at that time. See Disclosure for current Interest Rates and Annual Percentage Yields (APYs).

Yes, once the first statement has generated you will be able to see the APY earned and interest earned on the account.  After the first statement this will also populate the values in eBanking for the Last Statement APY earned and Interest YTD section.

If you are using mobile wallet functionality (Apple Pay, Samsung Pay, Google Pay) where  the purchase transaction is utilizing the First Bank debit card tied to your First Performance Checking, then yes, it will look just like a regular debit card purchase.  Account to Account transfers utilizing mobile wallet or an incoming Zelle transfer that uses the debit card do not count as a debit card purchase.

No, there is a limit of one per person as the primary owner.

Kids Cash Savings Account
It's never too early to start saving with your kids.