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Checking Accounts

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 NameChoose this account if…Opening Balance RequirementFeesAccount 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

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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. 

Click Here To Order Checks

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