With First Choice Checking, a free, high-interest checking account from Community First Bank, you receive amazing benefits (see list below) when you meet the simple qualifications each monthly qualification cycle.
If there's a month you don't meet the qualifications, don't worry! There's no penalty and you still have a free checking account that earns a base rate of interest and has no minimum balance to maintain the account. And you can get right back to earning a high rate and nationwide ATM fee refunds the next month you qualify.
To meet the qualifications, do the following each monthly qualification cycle:
- Have at least 10 debit card purchases post and settle
- Have at least 1 automatic payment (ACH) or direct deposit post and settle
- Be enrolled and receive e-statements
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you and serve your needs. We will also ask to see your driver's license or other identifying documents.
The minimum amount necessary to open a First Choice Checking account is $100.00. Limited to one account per household.
- Free checking
- No minimum balance to get the high interest
- Free Master Money Debit (ATM) Card
- Free online banking
- Free online bill pay
- All new accounts automatically qualify for the first monthly cycle
ATM refunds up to $25 per monthly qualification cycle if the requirements are met. 1.01% Annual Percentage Yield (APY) paid on balances up to $15,000, and 0.26% APY paid on all amounts above $15,000 each qualification cycle the minimum requirements are met. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning 0.05% APY; however, it will not receive ATM refunds for that time period. Rates as of August 27th, 2012. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required. However, you must deposit a minimum of $100 to open this account. We require at least one deposit every six months to maintain free status. Otherwise, no monthly service charge.
- About Us
We are a small home-town bank servicing Johnson and Wyandotte Counties in Kansas and the western part of Jackson County in Missouri. Our mission is to know you, our customer, and tailor a financial relationship to meet your needs.
paid on the portion of the balance up to $15,000.00 if qualifications are met
paid on entire balance if qualifications are not met
Get paid back for ATM fees nationwide.*