Personal Checking Accounts

Specialized checking accounts mean more extras where you need them the most. Low opening deposit? We’ve got it. Checking that pays you interest? We have that too.

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1st Rate - Rewards Checking

The purpose of the account is to offer our customers the "rewards" of a higher rate on a checking account that is used like any other checking account, with certain expectations and requirements. Those requirements are:

• $100 minimum opening balance
• Direct Deposit
• Signing on to Online Banking at least once a month
• Receiving eStatements
• Having 15 or more POS transactions posted (and settled) to your account per statement cycle
• Must be a Yuma County or Santa Cruz County Resident to open this account.

If account does not meet requirements during monthly cycle a .05% APY will be earned on entire balance. 3.00% APY* PAID ON BALANCES up to $25,000

Examples of expectations include deposits and withdrawals throughout the statement cycle, such as direct deposit of paychecks or Social Security checks, etc., along with POS debit transactions throughout the month of varying amounts at various retailers.

This does not include transactions such as multiple small-dollar POS transactions at the end of the statement cycle in order to earn the higher APY, which would not be consistent with the design of the account. If this should happen, you will receive a courtesy letter from the bank, reminding you of the intended purpose of the account and that it may be subject to closure at the bank's discretion.

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*INTEREST RATES ARE EFFECTIVE AS OF MAY 22, 2023 AND ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated Interest Rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts.
APY = Annual Percentage Yield.

1st Exclusive Checking

• $100.00 minimum opening balance
• Unlimited check writing
• MASTERCARD Debit Card
• Check images included with monthly statements *no charge
• $7.00 monthly maintenance fee
• Monthly fee waived with eStatements
• No minimum balance requirements

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1st Senior Checking

• $100 Minimum opening balance
• Offered to persons 55 and over
• $5.00 Monthly Maintenance Fee
• Monthly fee waived with eStatements or a monthly Direct Deposit 
• No Miminum Balance requirements
• Unlimited check writing
• Logo Checks (shipping and handling not included)
• MASTERCARD Debit Card
• Check Images included with Monthly Statements - No Charge

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1st Executive Checking

• $1,000 Minimum opening balance
• Minimum to Earn Interest $1,500
• Earns Interest on Daily Ledger Balances - Paid Monthly
• Unlimited check writing
• Maintenance Fee $10 (if minimum daily balance of $1,500 not met)
• MASTERCARD Debit Card
• Check Images included with Monthly Statement - No Charge
• Free Cashier's Checks and 25% Discount on annual rental fee for Safe Deposit Box

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1st Elite Checking

• $5,000 Minimum opening deposit
• Minimum to Earn Interest $5,000
• Primary Account Needed for Relationship with 1st Elite Savings
• Maintenance Fee $15 (if minimum daily balance of $5,000 not met or combined balance of $25,000 - excluding CD's)
• Earns Interest on Daily Ledger Balances or $5,000 or more - Paid monthly
• MASTERCARD Debit Card
• Unlimited Check Writing
• Check Images Included in Monthly Statement - No Charge
• Free Casheir's Checks
• Free Logo Checks (shipping and handling not included)

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1st Premium Money Market Account

• Tiered interest rates based on balance ranges beginning at ledger balances of $1,500. (Daily Ledger Balance) Tiered Structure: $1,500; $10,000; $25,000; $50,000:+ and $100,000+
• Monthly Maintenance fee of $10 if minimum daily balance of $1,500 not met

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