APY=Annual Percentage Yield
1 FirstRewards Checking with $500 Welcome Bonus: To be eligible for the $500 Welcome Bonus, customers must open a new First Rewards Checking with $500 Welcome Bonus Account with an FB Financial, A Division of FirstBank, Nashville, TN (FB Financial) debit card from September 1, 2026-December 31, 2026. The customer has until March 31, 2027, to meet the qualification requirements for the $500 Welcome Bonus. To qualify for the $500 Welcome Bonus, eligible customers must meet the following requirements: 1) Open a FirstRewards Checking with $500 Welcome Bonus account with a FB Financial debit card by December 31, 2026; and 2) Post and Settle a total of $1,000.00 or more in direct deposits in the account during a statement cycle by March 31, 2027; and 3) On the last day of the statement cycle in which the qualifying direct deposit requirements are met, the current account balance must be $1,000.00 or above. The $500 Bonus will be credited to the account on the last business day of the statement cycle once all three requirements are met. Requirements must be met on or before March 31, 2027. Bonus Offer Eligibility: Business customers and existing FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal checking customers are not eligible for this promotion. This offer is non-transferable and may not be combined with any other offers. This offer may be modified or withdrawn at any time without notice. Enrollment and participation in this promotion does not automatically guarantee eligibility. Limit one (1) bonus per primary account holder social security number. If a bonus is earned it will be reported to the IRS as miscellaneous interest income, in the year received, as required by applicable law, and will be reported on IRS form 1099-MISC for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor.
FirstRewards Checking Qualifications: To be eligible for a FirstRewards checking account, customer must receive account statements electronically (e-Statements) monthly. If an account holder chooses to opt-out of electronic statements, they are no longer eligible for the product and will be required to transfer to another product that does not require electronic statements. To Qualify for the higher Interest Rates: You must meet the following requirements during a statement cycle: Ten (10) debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit. The FirstRewards statement cycle will begin on the first business day of each month and end on the last business day of each month; Non- FB Financial, A Division of FirstBank, Nashville TN (FB Financial) ATM fees are refunded each cycle. Rate Information: A base interest rate of .01% with a .01% APY is applied to all balances when qualifications are not met. The following FirstRewards interest rates are earned if all qualification requirements are met: *Tier 1– An interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 1.51%. Tier 2– An interest rate of 0.55% will be paid only for that portion of your daily balance that is above $25,000.00. The APY for this tier will range from 1.51% to 0.79%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 2/19/2026. Rates are subject to change after the account is opened. Fees may reduce earnings.
2 Savings with $328 Welcome Bonus: To be eligible for the $328 Welcome Bonus, customers must open a new Savings (Choose from: Companion Savings, FirstUp Savings, or a Basic Savings) with $328 Welcome Bonus account from September 1, 2026-December 31, 2026. The customer has until May 31, 2027, to meet the qualification requirements for the $328 Welcome Bonus. To qualify for the $328 Welcome Bonus, eligible customers must meet the following requirements: 1) Open a Savings with $328 Welcome Bonus account (Choose from: Companion Savings, FirstUp Saving or a Basic Savings) by December 31, 2026; and 2) Be a Primary Owner on a FirstRewards Checking with $500 Welcome Bonus; and 3) After the Savings with $328 Welcome Bonus (Choose from: Companion Savings, FirstUp Savings or Basic Savings) has been opened and active for at least 90 days, then on the last day of the statement cycle the current account balance must be $1,000.00 or above. The $328 Bonus will be credited to the account on the next business day following the last business day of the statement cycle once requirements are met. Requirements must be met on or before May 31, 2027. Bonus Offer Eligibility: Business customers and existing FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal savings customers are not eligible for this promotion. This offer is non-transferable and may not be combined with any other offers. This offer may be modified or withdrawn at any time without notice. Enrollment and participation in this promotion does not automatically guarantee eligibility. Limit one (1) bonus per primary account holder social security number. If a bonus is earned it will be reported to the IRS as miscellaneous interest income, in the year received, as required by applicable law, and will be reported on IRS form 1099-MISC for the year received. Customer is responsible for any applicable taxes and consulting a tax advisor.
Companion Savings: To be eligible for a Companion Savings account, you must have an active FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal Certificate of Deposit (CD) with a term of at least six (6) months or greater to earn an interest rate of 3.35%. Account rate(s) when all qualifications are met: Tier 1 – An interest rate of 3.35% will be paid on the entire portion of your daily balance up to, but not exceeding, $50,000.00. The APY for this tier is 3.40%. Minimum balance to earn 3.40% APY is $0.01. Tier 2 – An interest rate of 0.05% will be paid only for that portion of your daily balance that is above $50,000.00. The APY for this tier will range from 3.40% to 1.73%, depending on the balance in the account. APY range calculation based on an assumed account balance of $100,000.00. A base rate of 0.05% with 0.05% APY is applied to all balances when qualifications are not met. When you carry a balance above 50,000.00, a blended rate will be used to reflect one APY on your account statement and will be based on the number of days in your statement cycle. The blended APY decreases as your account balance increases above $50,000.00. Minimum deposit to open is $50.00. Limit two (2) Companion Savings accounts per primary social security number. To have two Companion Savings, you will need two active CDs. The Companion Savings account must have the same primary account holder as the CD. The FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal CD must be active for the Companion Savings account to receive the higher interest rate. The CD must be active prior to opening the Companion Savings and the Companion Savings must be opened on or before the 25th of each month to qualify for the higher interest rate for that statement cycle. If the Companion Savings is open after the 25th of the month and qualifications are met, then the higher interest rate will qualify on the next statement cycle. Rates as of 2/19/2026. Rates subject to change after the account is opened. Program may change at any time. A minimum balance fee of $5.00 will be imposed every month if the balance falls below $50.00 any day of the month. Fees may reduce earnings.
FirstUp Savings: To be eligible for a FirstUp Savings account you must have an FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal checking and/or an FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal money market account. A recurring monthly transfer totaling $50.00 or more must come from your FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal checking or FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal money market account. Minimum deposit to open is $50.00. Limit two (2) FirstUp Savings accounts per primary social security number. To qualify for the higher interest rates: A recurring monthly transfer totaling $50.00 or more from the FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal checking or FB Financial, A Division of FirstBank, Nashville TN (FB Financial) personal money market must post and settle by the last business day of the month to qualify for the higher interest rate for that month. If a recurring transfer is scheduled on a weekend or holiday, it will post the prior business day and count toward that month—even if the intended transfer date is the 1st of the following month — potentially affecting qualification for the higher rate. Automatic transfer(s) must be set up through FB Financial, A Division of FirstBank, Nashville TN (FB Financial) Online or Mobile Banking or through an associate at a FB Financial, A Division of FirstBank, Nashville TN (FB Financial) branch. Rate Information: A base rate of 0.05% with 0.05% APY is applied to all balances when qualifications are not met. The following FirstUp Savings interest rates are earned if all qualification requirements are met: Tier 1 – An interest rate of 3.75% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. The APY for this tier is 3.82%. Tier 2 – An interest rate of 0.05% will be paid only for that portion of your daily balance that is above $25,000.00. The APY for this tier will range from 3.82% to 0.99%, depending on the balance in the account. The interest rate(s) and APY(s) are accurate as of 2/19/2026. Rates are subject to change after the account is opened. A minimum balance fee of $5.00 will be imposed every month if the balance falls below $50.00 any day of the month. Fees or other conditions may reduce earnings.
Basic Savings: To open the account, you must make a minimum deposit of at least $50.00. A minimum balance fee of $5.00 will be imposed every month if the balance falls below $50.00 any day of the month. The interest rate for this account is .05% with an annual percentage yield (APY) of .05%. Your interest rate and APY may change at any time. To obtain the APY disclosed, you must maintain a minimum average daily balance of $25.00 in the account each day. Exceeding six (6) withdrawals or transfers limitations in a statement cycle will result in a $2 charge per transaction over six (6). Rates are subject to change. APY is accurate as of 2/19/2026. Fees may reduce earnings.
3 Mobile banking: Third party message and data rates may apply.
4 Zelle: Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. No fee is charged by FirstBank to use Zelle® through the FB Mobile Banking app and FirstBank Online Banking. To send or receive money with Zelle®, both parties must have an eligible checking or savings account in the U.S. Terms and conditions apply. To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Only send money to people you know and trust. Money sent with Zelle® is typically available to an enrolled recipient within minutes.
