Essential Account

Designed with you in mind.
Choose ONE of the following and 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

Additional Offerings:

  • Free first book of First International Bank & Trust checks
  • Free Debit Card - available for use with mobile wallets (Apple Pay®, Samsung Pay®, Android Pay®)
  • Free CardValet® App - you define when, where and how your debit and credit cards are used
  • Free Online and Mobile Banking*
  • Free Mobile Check Deposit*
  • Free standard Bill Pay*
  • Free electronic Person-to-Person standard payments through Popmoney®*
  • Free eStatements
  • Free notary services
  • First International Bank & Trust credit card with uChoose points**
  • Free annual MoneyGuidePro® financial plan with investment representative***
  • Free insurance quote for home, auto and other personal needs***

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.

Open Account
Truth in Savings Disclosure - Essential Account

To receive mailed paper statements there is a $3.95 fee (with an additional $2 fee for check images with paper statement). *You may be charged access or data usage fees by your provider based on your internet or phone plan. Additional fees will apply for next day, instant, and request Popmoney transactions and same day or overnight payments through Bill Pay. **Subject to credit approval. ***Not FDIC or any federal agency insured. No bank guarantee. May lose value.