Make Your Checking Balance Earn Its Keep

First City Premier Checking

If you maintain a higher checking balance, your money should do more than cover everyday expenses. First City Premier Checking helps the money you keep on hand earn more, while remaining available whenever you need it.

Earn More WIthout Doing More

Earn Every Day

Receive interest on qualifying balances while continuing to use your account for everyday banking.

Stay Connected

Access your money anytime with Online Banking, Mobile Banking, Mobile Deposit, and a First City Debit Card.

Keep It Available

Earn interest while keeping your money available for the opportunities and expenses ahead.

Everything Included with Premier Checking

Account Features

$100 minimum opening deposit
$12 monthly maintenance fee waived with a $2,500 Average Daily Balance
Earn 1.00% interest on an Average Daily Balance of $5,000 or greater

Banking Services

Online & Mobile Banking
eStatements
First City Debit Card
Direct Deposit
First City Bank Debit Card

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.