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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

First Option Free Checking

You want an account with no fees, unlimited check writing and card transactions.




No monthly service charge


No minimum balance requirement


Unlimited check writing


VIP Plus Checking

You want the advantages of the VIP account, along with tiered interest rates on your account balance.



$9.95 monthly service charge if balance falls below minimum

Unlimited check writing


Free club checks or 40% off other checks of choice


Free money orders and cashier’s checks


Tiered competitive interest


First Insured Money Market

You won’t use your account for many transactions, but still want to collect interest on your balance.



$1.50 charge per withdrawal after first 6 transfers or after first 6 checks to a third party


Loss of interest if account balance drops below $500

6 free transfers or checks per month


Earn a higher interest rate than VIP Plus or savings accounts


Interest calculated on daily collected balance and credited monthly



First Market Plus

You can maintain a higher balance and want to collect a competitive interest rate.




Tiered interest rates available


No minimum balance requirement


Unlimited check writing


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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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