Checking

Personal Banking Services

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.

1st Rate - Rewards Checking

Earns InterestMin to OpenMin to Earn InterestOnline BankingeStatements
$100* $0.01

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:

  • 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 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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1st Exclusive Checking

Earns InterestMin to OpenMin to Earn InterestOnline BankingeStatements
$100*
  • $100.00 minimum opening balance
  • Unlimited check writing
  • VISA 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

Earns InterestMin to OpenMin to Earn InterestOnline BankingeStatements
$100*
  • $100 Minimum opening balance
  • Offered to persons 55 and over
  • $5.00 Monthly Maintenance Fee
  • Monthly fee waived with eStatements
  • No Miminum Balance requirements
  • Unlimited check writing
  • Logo Checks - No charge for one box per year
  • VISA Debit Card
  • Check Images included with Monthly Statements - No Charge
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1st Executive Checking

Earns InterestMin to OpenMin to Earn InterestOnline BankingeStatements
$1,000* $1,500
  • $1,000 Minimum opening balance
  • Minimum to Earn Interest $1,500
  • Earns Interest on Daily Collected Balances - Paid Monthly
  • Unlimited check writing
  • Maintenance Fee $10 (if minimum daily balance of $1,500 not met)
  • VISA Debit Card
  • Check Images included with Monthly Statement - No Charge
  • Free Cashier's Checks, Money Orders, Travelers Checks, Notary Service, and 25% Discount on annual rental fee for Safe Deposit Box
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1st Elite Checking

Earns InterestMin to OpenMin to Earn InterestOnline BankingeStatements
$5,000 $5,000
  • $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 Collected Balances or $5,000 or more - Paid monthly
  • VISA Debit Card
  • Unlimited Check Writing
  • Check Images Included in Monthly Statement - No Charge
  • Free Casheir's Checks and Money Orders
  • Free 1st Bank Yuma Logo Checks (one box per order).
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1st Premium Money Market Account

Earns InterestMin to OpenMin to Earn InterestOnline BankingStatements
$1,000* $1,500
  • Tiered interest rates based on balance ranges beginning at collected balances of $1,500. (Daily Collected Balance) Tiered Structure: $1,500; $10,000; $25,000; $50,000:+ and $100,000+
  • Federal Regulations require a limit of 6 preauthorized withdrawals per month
  • Monthly Maintenance fee of $10 if minimum daily balance of $1,500 not met
  • Excessive Transactions $10.00 each after 6

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*Fees and minimum opening balance may differ for our Nogales Branch. Please contact our branch at (520) 397-9220.