Choose Your Checking Account
What are you looking for in a checking account? Maybe you want a traditional account that offers low fees and no transaction limits. Or, maybe you want an account that allows you to earn interest on your entire account balance. At First Option Bank, we allow you to choose from multiple accounts so you have an account that works best with the way you want to spend and manage your money. Each of our accounts offers the following:
- Free online and mobile banking
- Free online bill pay
- Free E-Statements
- Free instant issue Visa® debit card
- Free transactions at First Option Bank ATMs
To open an account, stop in to your local First Option Bank branch office and speak with a member of our team.
Compare Our Checking Accounts
| Account Name | Choose this account if… | Opening Balance Requirement | Fees | Account Benefits |
|---|---|---|---|---|
Free Checking | You want an account with no fees, unlimited check writing and debit card transactions.
| $100 | None | No monthly service charge
No minimum balance requirement
Unlimited check writing
E-Statements are required |
Regular Checking | You want an account with a paper statement mailed directly to you, unlimited check writing and debit card transactions.
| $100 | $5.00 Statement Fee | Paper statement mailed directly to you
No minimum balance requirement
Unlimited check writing |
Interest Checking | You want to take advantage of a tiered interest rate on your account balance. | $2,500 | $10.00 monthly service charge if the balance falls below $2,500 | Unlimited check writing and debit card transactions
Tiered competitive interest rates |
First Insured Money Market | You won't use your account for many transactions, but still want to collect interest on your balance. | $500 | 6 withdrawals per month at no charge, $1.50 for each additional withdrawal. No interest if balance falls below $500 | 6 free transfers or checks per month
Earn a higher interest rate than Interest Checking or savings accounts
Interest is calculated on the daily collected balance and credited monthly |
Money Market Plus | You can maintain a higher balance and want to collect competitive tiered interest rates. | $50,000 | 6 withdrawals per month at no charge, $1.50 for each additional withdrawal.No interest if balance falls below $50,000 | Highly competitive rates
$50,000 minimum balance requirement
Multiple tier interest rates
6 free transfers or checks per month |
Switch to Us
Ready to experience the difference of working with First Option Bank? Complete our online switch kit to get all the paperwork taken care of so you can take the hassle out of switching your accounts.
Start Your Switch
Order your checks online from Harland Clarke, our preferred provider.
Secure, Fast Ordering - Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is secure and certified, so your transactions and account information are safe and completely confidential.