Checking Accounts

Use our Account Selector Tool to help you choose the best account for your lifestyle.

Do you primarily access your funds with a debit card or by writing checks?

Debit Card Checks Other

Do you utilize an ATM for cash on a monthly basis?

Yes No

Do you currently view your accounts online or through a mobile application from home or while on the go?

Yes No

Do you prefer timely safe and secure receipt of your monthly statements?

Yes No

Do you plan to regularly keep a balance of $5,000 in your account?

Yes No

       

Thank you for completing the questionnaire. Based upon your feedback, we recommend the Account for you.

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Start Again?

Regardless of the First International Bank & Trust checking account you choose, it includes handy features and assistance from our customer service team. Checking accounts include:

Online Access to All of Your Accounts
 
Mobile Friendly Services
 
ATM / Debit Card*
* A credit check may be required
For Information Call: 800-359-8092
  • Personal Accounts

    • 1 Advantage Account

      Earn a premium interest rate, plus additional advantages.

      Maintain $5,000 minimum daily balance to receive a refunded monthly service charge AND get up to $25 in refunded ATM fees automatically per statement cycle. 

      Plus, take advantage of higher interest rates with qualifying loan relationships. 

      Minimum Opening Deposit: $5,000
      Monthly Service Charge: $12.95

      Additional Advantages:

      • Up to $500 off closing costs for first mortgage
      • Special Credit Card offer
      • Free first year rental of safe deposit box
      • And more!

      Learn more about the Advantage Account ›

    • 2 Rewards Account

      Enjoy rewards for simply using your account!

      Choose one of the following:
      • Receive your account statement electronically
      • Receive a monthly direct deposit
      • Make a mobile check deposit monthly
      AND spend $500 or more with your debit card each statement cycle to get this:
       
      Monthly Debit
      Card Spend
      ATM Fee
      Refund
      Cash
      Reward
      Monthly Account
      Service Charge
      $500 - $1,500 Up to $10 $5.95 $5.95
      More than $1,500 Up to $15 $10.95 $5.95
       

      Additional Rewards:

      • Up to $250 off closing costs for first mortgage
      • Special Credit Card offer
      • And more!

      Getting Started Perk!

      If you are age 23 or younger and receive your statements electronically, you will receive an automatic service charge refund and either a minimum ATM refund of up to $10, or a maximum of $15 if you have more than $1,500 in debit card spend each statement cycle. 

      Learn more about the Rewards Account ›

    • 3 Essential Account

      Everything you need with a simple account.

      Choose ONE of the following to receive a refunded monthly service charge: 
      • Receive your account statement electronically
      • Receive a monthly direct deposit
      • Make a mobile check deposit monthly

      Minimum Opening Deposit: $100
      Monthly Service Charge: $7.95


      You've Earned It Perk!

      If you are age 55 or better, you will receive an automatic service charge refund each statement cycle. Should you choose to receive mailed paper statements instead of electronic delivery, you will receive an automatic refunded mailed paper statement fee each statement cycle.

      Learn more about the Essential Account ›

  • Business Accounts

    • 2Basic (Free Business Checking)

      Business Edge II

      • Free check & cash card1
      • Online services available
      • Up to 150 debit transaction items per month2
      • No minimum balance with eStatements and no monthly service charge
      • $500 minimum balance with paper statements. Monthly service charge of $14 if balance falls below $500
      • Free check images with monthly statement

      Business Edge II Checking Information ›

    • 3Added Value (Interest Checking)

      Business Edge Plus II

      • Interest bearing1
      • $2,500 minimum balance
      • Free check & cash Card2
      • Online services available
      • Up to 500 debit and credit transaction items per month3
      • Free check images with monthly statement
      • $12 monthly service charge with eStatements or $17 monthly service charge with paper statements

      Business Edge Plus II Checking Information ›

    • 4Elite

      Business Edge Premium II

      • Free check & cash card1
      • Online services available
      • $5,000 minimum balance
      • Free check images with monthly statement
      • Unlimited transaction items per month2
      • $15 monthly service charge with eStatements or $20 monthly service charge with paper statements

      Business Edge Premium II Checking Information ›