You 1st E-Checking
A highly efficient way to manage your money.
Make life a little easier with our time-saving digital banking tools.
This cutting-edge account reduces your paperwork while increasing your earnings.
Why choose a paper-free checking account? You might want to reduce clutter in your home. You might want to save a few trees. Or you might enjoy the convenience of anytime account access with Online and Mobile Banking. Whatever the reason, you'll be rewarded for your smart choice with competitive interest earnings on your checking balance.
- No minimum balance
- No monthly service charge
- Online Banking and electronic Bill Pay
- Mobile Banking and mobile check deposit
- Free E-Statements ($3 monthly paper statement fee for paper statements via postal mail)
- Free Debit Mastercard for easy purchase online and in stores
- Access to nationwide ATM network
- Competitive interest paid on every dollar in your account
Disclosure For All Interest Bearing Deposit Accounts
The following applies to all interest-bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.
- Balance Computation Method: We calculate the interest on your account using the daily balance method. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings, which is paid (credited) and compounded quarterly.
- Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example, checks)
- All interest-bearing accounts are variable-rate accounts. We may change the rate at our discretion.
- If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. You will not receive your accrued interest if you do not tell us you are closing your account.
- Effect of Fees: Fees may reduce earnings.