Checking That Works for Everyday Life

First City Essential Checking

Your checking account should make everyday life easier, not more complicated. First City Essential Checking gives you the tools to manage your money confifidently every day, backed by personal service you’ll appreciate.

Everything You Need, Every Day

Everyday Convenience

Access your money anytime with convenient digital banking.

Ways to Save

Avoid the monthly maintenance fee through qualifying activity or balances, making it easier to keep more of your money.

Bank with Confidence

When questions come up, you’ll work with local bankers who know you and are ready to help.

Everything Included with Essential Checking

Account Features:

$100 minimum opening deposit
$8 monthly maintenance fee waived with Direct Deposit, a $500 average daily balance, or 10 debit card swipes.
Monthly fee waived for persons under age 25, public safety personnel, and active military

Digital Banking Services:

Online & Mobile Banking
First City Debit Card
eStatements
Direct Deposit

6-Month Introductory Promotion

4.00% APY* on balances up to $25,000; 1.00% APY* on balances over $25,000.

* APY (Annual Percentage Yield) is accurate as of 6/25/26. After 6 months from account opening, the rate will change at our discretion. Minimum opening deposit is $100. Fees may reduce earnings. Promotional rate available for a limited time and subject to change without notice. Not available for institutional or brokered funds. New money only.

Talk with a First City Banker about Essential Checking.

You don’t have to switch everything to get started. Open the account that’s right for you today. We’ll earn the opportunity to help with the rest.