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Personal Checking

Banking You'll Feel Good About

Easy, Everyday Checking Accounts

With convenient, 24/7 digital tools built into every account, you have flexible checking options that feel less like banking and more like personal support.

Choose Your Account

Pick from flexible account options with rewards that fit your life. 

First Checking Account

Straight-Forward, Zero Hassle

Best For

Everyday simplicity, and no-fuss banking.

 

Monthly Fee

$0 with eStatements (Paper statement fee: $5)

 

Includes
  • No minimum balance
  • Online & Mobile Banking
  • Bill Pay
  • Mobile Deposit
  • Debit Card
  • eStatements
* Additional Fees may apply
* Terms and conditions apply.

First Reward Checking

Earn More Every Day

Best For

People who enjoy earning rewards as they bank.

 

Monthly Fee

$0 with eStatements (Paper statement fee: $5 / $2 age 62+)

 

Includes

  • No minimum balance

  • Online Banking & Bill Pay

  • Mobile Banking

  • Mobile Deposit

  • Instant issue debit card

  • eStatements

  • Earns interest on deposits

First Reward Checking

Earn More Every Day

Qualify For A Higher Rate With:
  • At least 20 debit card transactions per monthly statement cycle
  • At least one direct/automatic deposit per cycle
  • Access account online at least once per cycle
  • Make at least one bill pay per cycle
  • Highest First Reward Checking interest rate available for balances up to $25,000. Lower rate available for balances over $25,000.

If you fall short? You still earn interest at our minimum rate offered. And you can try again for our higher rate next month.


* Additional Fees may apply

First Patriot Account

Exclusive Benefits For Those Who Serve

Best For

Customers who want checking with extra benefits. 

 

Monthly Fee

  • $3 per month: Includes $10,000 AD&D and $20,000 CCC coverage for individuals 62+

  • $4 per month: Includes $20,000 AD&D and $40,000 CCC coverage for individuals 62+

  • $5 per month: Includes $30,000 AD&D and $60,000 CCC coverage for individuals 62+

  • $9 per month: Includes $10,000 AD&D and $20,000 CCC coverage

  • $10 per month: Includes $20,000 AD&D and $40,000 CCC coverage

  • $11 per month: Includes $30,000 AD&D and $60,000 CCC coverage

First Patriot Account

Exclusive Benefits For Those Who Serve

Includes
  • No minimum balance
  • Accidental Death and Disability (AD&D), and Common Carrier Coverage (CCC) available
  • Discounts on prescriptions, medical needs, and vision care
  • Discounts on shopping, travel, and attractions
  • One Annual Box of Personalized Checks
  • Purchase cashier's checks at no fee
  • Unlimited check writing
  • Instant issue debit card
  • Mobile app and mobile check deposit
* Additional Fees may apply

First College Checking

Banking Built For Campus Life

Best For

College students ages 18–25 who want fee-free checking with modern tools.

 

Monthly Fee

$0 (Paper statement fee: $5)

 

Includes
  • No minimum balance
  • Online Banking & Bill Pay
  • Mobile Deposit
  • Unlimited check writing
  • Instant issue debit card
  • School logo debit card
  • Can convert to First Checking at age 26
* Must be actively attending a college or university. Student will need to provide a valid student ID at the time of account opening.

First Student Checking

Their First Step Towards Smart Banking

Best For

Students up to age 17 who are ready to start managing their own money.

 

Monthly Fee

$0 (Paper statement fee: $5)

 

Includes

  • No minimum balance

  • Requires an adult to sign and open the account

  • Online & Mobile Banking

  • Mobile Deposit

  • Unlimited check writing

  • Instant issue debit card (age 12+)

  • School logo debit card

  • Can convert to First Checking at 18

 

*Adult 18 or older required to sign on account.
*Minors must be at least 12 years old to have their own login to online banking.

Account Perks That Come Standard

Every account comes with the essentials that make banking simple.

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Instant Issue
Debit Card

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24/7 Digital
Access

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Easy Deposits,
Easy Spending

Online Banking & Mobile Banking

With secure online tools and our easy-to-use mobile app, banking fits right into your day.

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*Third party data rates may apply.

Answers You Need, Up Front.

What do I need to bring to open a checking account?

A government-issued photo ID, your Social Security number, and your opening deposit. Students may also need a valid student ID.

Is there a minimum deposit to open an account?

Many accounts have no minimum deposit required, but some may differ. Check the details of the account you choose or ask your local branch for guidance.

Can I switch my account from another bank?

Yes! Our Switch Kit makes it easy to move your direct deposits and automatic payments to First Bank Texas.

Are there any monthly fees?

Most accounts have no monthly fees if you enroll in eStatements. Paper statement fees may apply.

When will I get my debit card?

You’ll receive your debit card instantly when you open your account at a branch. You can even personalize it with your school logo if eligible.

Can my child or teenager open an account ?

Yes! We offer First Student Checking for ages 12–17 and First College Checking for ages 18–25.
Ready To Get Started?

Open Your Account Today!

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Routing Number: 111901988

Download our mobile app:

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Equal Housing Opportunity

First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.