RateHerald

Monthly fee

$10

−$120 a year for an everyday customer: fees and interest, $2,000 kept.

First Bank · Checking account

First Inspire Checking

−$120 a year for an everyday customer. $10 a month. $100 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
−$120
Monthly fee
To open

Against the market

How it ranks

#860of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Check writing
  • Debit card
  • Free checks
  • Mobile check deposit
  • Mobile wallet
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
$10 a monthfirst.bank, checked Nov 8, 2026
Ways to avoid the monthly fee
Any one of these:
  • Direct Deposits totaling $500.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $500.00 or more
  • You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $15,000.00 or more (includes consumer and non-consumer accounts)
first.bank, checked Nov 8, 2026
Minimum to open
$100first.bank, checked Nov 8, 2026
ATM network
Allpointfirst.bank, checked Nov 8, 2026
ATMs in the network
55,000first.bank, checked Nov 8, 2026
Out-of-network ATM fee
Nonefirst.bank, checked Nov 8, 2026
ATM fees refunded, up to
$10 a monthfirst.bank, checked Nov 8, 2026
Paper statements
Nonefirst.bank, checked Nov 8, 2026

Who can open it

Where
Missouri, Illinois, Californiafirst.bank, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on first.bank

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