First Performance Checking Account

Should your money be achieving more?
  • Earn a higher-than-average interest rate.
  • Gain access to over 55,000 surcharge-free ATMs.
  • Manage easily by banking digitally.

You work hard for your money, right?

It's time that your money started working hard for you.

Not all checking accounts are over-achievers, but First Performance Checking is. With this checking account, you'll rack up interest simply by meeting a few basic qualifications.  

  • Earn interest on your entire balance with an opportunity to earn premium interest on the first $25,000 by just making 15 or more debit card purchases and a single Direct Deposit of $250 or more during a monthly Qualification Period*.
  • Save with surcharge-fee free access to cash at over 55,000 ATMs worldwide that are in the Allpoint Network.
  • Enjoy the convenience of free eBanking, Mobile Banking and eStatements.
  • Use Mobile Deposit to quickly deposit checks.
  • Access complimentary money orders and Cashier’s Checks.
  • Avoid paying the $15.00 monthly maintenance fee when you have 5 or more debit card purchases during a monthly Qualification Period*.
  • Compare to our other Checking Products.

First Performance Checking FAQs

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 Rates 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 purchase.  Account to Account transfers utilizing mobile wallet or an incoming Zelle transfer that uses the debit card do not count as a purchase.

No, there is a limit one per person (primary owner or TIN).

To allow time to set up your direct deposit and activate and begin making debit card purchases, we will waive all account transaction requirements for the first Qualification Period.  During this time, you will enjoy a premium interest rate on account balances up to $25,000 and no monthly maintenance fee.  For full details, please review our Checking Brochure.

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