First Performance Checking Account

What does your checking account pay?
  • Earn over 70 times the National Average Rate on balances up to $25,000.*
  • Gain access to over 55,000 surcharge-free ATMs.
  • Manage easily by banking digitally.

Earn up to 4.59% 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, deposit, and start earning!

  • Make 15 or more debit card purchases.*  For example...
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.
  • + Set up and receive a single Direct Deposit of $250 or more.*
  • =  Earn up to 4.59% APY*.

That's it.  

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

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

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 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.

To allow time to set up your Direct Deposit, 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 our Checking Brochure and the First Performance Checking Account Guide.

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