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Personal Checking Details

Personal Checking can be yours Fee-Free!

  • No account fee with $500 minimum balance or $1000 average balance.
  • No account fee for customers with direct deposit of payroll checks, Social Security checks, or other recurring deposits.
  • No account fee if your First Trust loan payment is automatically deducted from your Personal Checking Account.
  • No account fee for customers whose combined First Trust personal account balances total $10,000 or more.
  • No account fee for students whose parents are First Trust checking account customers.
  • No account fee for customers who have a First Trust mortgage or home equity loan.
  • No account fee if you establish two automatic debits from your account, for example payments for loans, credit cards, utilities.
  • $7.00 monthly charge if minimum balance or No Fee status not maintained.

There's More!

  • Choose electronic or paper statements returned with images.
  • Access free Online Banking, Mobile App, and BillPay service. Manage your money, set balance alerts, transfer to savings, and more.
  • $500 Overdraft Protection available. An Overdraft Protection option from Savings is also available.**
  • Choose free Money Management tools and Direct Connect for Quick Books and Quicken to keep your budget on track.
  • Free debit card with SecurLock Equip that allows you to control when and where your card can be used.
  • Free First Trust ATM's. No FTB fees at other banks' ATM's.


Contact us for an Account Disclosure with more detailed information about deposit accounts.  Must qualify for debit cards, overdraft protection, and Bill Pay.  All NSF and OD fees apply.  

**$7 fee per overdraft transfer from savings; the number of preauthorized, automatic, computer, or telephone transfers are limited to 6 per calendar month from savings.