Rewards Account

Do This:

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:

Rewards-Account-Chart.PNG

Minimum Opening Deposit: $100

Additional Rewards

  • 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. Also includes a monthly card spend tracker.
  • 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 first book of First International Bank & Trust checks
  • Up to $250 off closing costs for first mortgage**
  • Reduced interest rate on personal loan with an automatic payment
  • Free notary services
  • Free annual MoneyGuidePro® financial plan with investment representative***
  • Free insurance quote for home, auto and other personal needs***
  • Special Credit Card Offer
    6 month, 0% introductory APR on purchases and balance transfers for the first 6 billing cycles on a personal First International Bank & Trust Credit Card with uChoose points. After that, the APR for purchases and balance transfers will be either 14.88% or 9.99% depending on whether you qualify for a Badlands Visa or MasterCard or a First Platinum Visa card. APR for cash advances is 18.00%. Fee for cash advances is $5.00 or 3% of the amount of each cash advance, whichever is greater. Minimum interest charge is $1.00 and for foreign purchases, a fee of up to 1% of each transaction in U.S. dollars is applied.****

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.

Open Account

Truth in Savings Disclosure - Rewards Account


To receive mailed paper statements there is a $3.95 fee (with an additional $2 fee for check images with paper statement). ATM refunds and cash reward available only when minimum requirements met each statement cycle. *You may be charged access or data usage fees by your provider based on your internet or phone plan. Additional fees may apply for next day, instant, and request Popmoney transactions and same day or overnight payments through Bill Pay. **Limited to one per household per loan application. ***Not FDIC or any federal agency insured. No bank guarantee. May lose value. ****Subject to credit approval. Introductory rate available for new card holders only. Additional limitations, terms and conditions apply. Please see the full disclosure included with the application for more details. After the introductory period, the standard purchase APR will be applied to unpaid introductory balance, new purchases, and new balance transfers. No annual fee.