From everyday checking to digital banking tools and lending solutions, FB Financial is here to help you make the most of your money.
Personal Banking
Find the right account for every stage of your financial journey.
Banking solutions for every stage of life
Whether you're managing everyday expenses, building your savings, or planning for future goals, our personal banking accounts provide the flexibility, convenience, and support to help you move forward with confidence.
Personal Checking Accounts
Choose a checking account that is a perfect fit for where you are while getting features that fit perfectly with your future goals. FirstRewards Checking is an innovative product that builds interest with no minimum deposit while refunding out-of-network ATM fees. USA Senior and Essential Checking are user friendly and fee free. Our tiered interest account puts your deposits to work towards your goals. Checking is the account you will use the most. We've created accounts you can use to do more.
Essential Checking
A simple, straightforward checking account designed for everyday banking that gives you the tools you need to manage spending, pay bills, and stay on top of your finances, all without a monthly service fee.
No Monthly Minimum Balance Required.
Consumer accounts only. Terms and fees apply.
FirstRewards Checking
FirstRewards Checking offers competitive interest, ATM fee refunds for qualifying transactions, and convenient digital banking tools designed to make managing your money easier every day.
No Minimum Opening Deposit
Rates and rewards subject to qualification.
Interest Checking
Interest Checking combines everyday banking features with the opportunity to earn more as you work toward your financial goals.
$1,000 Minimum Opening Deposit
$8 monthly service charge if balance falls below $1,000. Service charges apply. Higher interest rate on deposits.
Swipe Smart Checking
A simple account with debit card access and convenient everyday banking, making it a smart choice for students, young adults, and first-time account holders.
$25 Minimum Opening Deposit
No monthly service charge. Other institution ATM fees will apply. Minor accounts must be opened with a parent or guardian as a joint owner.
USA Checking for Seniors (age 62+)
Convenient everyday banking designed for customers age 62 and older, with easy account access and no monthly service fee.
$100 Minimum Opening Deposit
No monthly service charge. No monthly minimum balance required. Other institution ATM fees will apply.
Personal Savings
Whether you’re saving to build wealth, peace of mind or for Christmas morning, we have the right savings account for you. All savings come with a competitive rate to help your “one day” come sooner. If you find saving difficult, check your account. The account that fits makes fitting savings in your budget much easier.
FirstUp Savings
A savings account designed to help you build consistent saving habits and work toward your financial goals.
$50 Minimum Opening Deposit
$5 monthly service charge if the balance falls below $50 at any given time. Interest credited on balances of $0.01 and above.
Companion Savings
A companion savings account that pairs with an active FB Financial CD to help maximize your savings potential.
$50 Minimum Opening Deposit
$5 monthly service charge if the balance falls below $50 at any given time. Interest credited on balances of $0.01 and above.
Certificate Of Deposit
A fixed-term savings option that helps you grow your money with a competitive, predictable interest rate.
$500 Minimum Opening Deposit
No Monthly Service Charge.
Consumer Fed Funds Money Market
A money market account with tiered interest rates designed to reward higher balances while maintaining access to your funds.
$100 Minimum Opening Deposit
No monthly service charge if $100,000 minimum balance is maintained or if the account owner is a Primary or Secondary/Joint Owner on a FirstBank Essential Checking account.
FirstRate Money Market®
A higher-yield money market account that combines competitive interest rates with convenient access to your money.
$5,000 Minimum Opening Deposit
No monthly service charge if $5,000 minimum balance is maintained.
Money Market Tiered
A tiered money market account that rewards larger balances with higher earning potential while maintaining flexibility.
$2,500 Minimum Opening Deposit. $10 Monthly Service Charge.
Please contact your local branch for interest rates.
Basic Savings
A simple savings account designed to help you build savings habits and work toward your financial goals.
$50 Minimum Opening Deposit
$5 monthly service charge if the balance falls below $50 at any given time. Interest credited on balances of $25 and above.
UTMA-Minor Savings
A savings account designed to help save for a child's future while encouraging lifelong financial responsibility.
$25 Minimum Opening Deposit. No Monthly Service Charge.
Balances greater than or equal to $25 will accrue interest daily and will be credited to the account monthly.
Health Savings Account
A tax-advantaged savings account designed to help eligible individuals save for qualified healthcare expenses.
No Minimum Opening Deposit
Interest paid on all balances.
Personal Banking Snippet
Personal Lending
Whether you're buying a vehicle, improving your home, or planning your next big project, FB Financial offers local lending solutions with personalized service and fast decisions. Our experienced lenders take the time to understand your goals and help you find the financing option that's right for you.
Auto & Recreational Loans
- Auto Loans
- Motorcycle Loans
- Boat Loans
- RV Loans
Home Financing
- Mortgage Loans
- Home Equity Line of Credit (HELOC)
- Home Improvement Loans
- Construction Loans
Local Lending Support
- Local Decision Making
- Personalized Guidance
- Competitive Rates
- Flexible Financing Options
Mobile & Online
We keep you plugged in to the latest in technology with interactive Digital Demos so you get the most out of robust online banking that syncs seamlessly with our mobile app.
Online Banking Features
- Manage your accounts anytime with real-time balances, transactions, statements, and check images
- Move money with confidence using transfers, bill pay, Zelle®, and linked external accounts
- Stay informed and in control with customizable alerts, travel notices, card controls, and spending insights
- Monitor your financial health with cash flow tools, transaction tagging, and MyCredit Manager
- Bank your way through a personalized dashboard, quick actions, and seamless access across devices
Send Money with Zelle®
Send money to friends, family, and people you trust directly from your FB Mobile Banking app. Zelle® offers a fast, convenient way to send and receive money using only an email address or U.S. mobile phone number.
With Zelle®, you can:
- Send money to friends and family you know and trust
- Receive money directly into your eligible FB Financial account
- Request money from others
- Split expenses for meals, trips, gifts, and more
- Send and receive money using an email address or U.S. mobile number
- Access Zelle® directly within FB Mobile Banking
- Skip checks, cash, and separate payment apps
Please note: Zelle® should only be used to send money to people you know and trust. Transactions typically cannot be canceled once sent. Enrollment in FB Mobile Banking is required.
FB Mobile Banking
Manage your personal finances anytime, anywhere with the FB Mobile Banking app. Check balances, transfer funds, deposit checks, pay bills, send money with Zelle®, and monitor account activity securely from your mobile device.
Download the app
Mobile Wallets
Leave your wallet at home and pay with confidence using your compatible smartphone, smartwatch, or other mobile device. Add your eligible FB Financial debit card to Apple Pay®, Google Pay™, or Samsung Wallet for a fast, secure, and convenient checkout experience.
Download the app
Personal Debit & Credit Cards
Apply online and get more advantages than you’re used to when you use FB Financial Debit and Credit Cards.
Visa is a registered trademark of Visa International Service Association and used under license.
Mastercard is a registered trademark of Mastercard International Incorporated.
FAQs
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- How do I enroll in Online Banking and FB Mobile Banking?
Enrolling is quick and easy. Simply select Enroll Now from the Online Banking login page and follow the prompts to create your account. Once enrolled, you can download the FB Mobile Banking app to manage your accounts, transfer funds, deposit checks, pay bills, and more.
- How do I send money with Zelle®?
Zelle® is available within FB Mobile Banking for eligible accounts. Simply log in to the app, select Send Money with Zelle®, enroll your email address or U.S. mobile number, and start sending or receiving money with people you know and trust.
- How can I protect my accounts from fraud?
FB Financial provides multiple layers of security, including fraud monitoring, debit card alerts, and secure online and mobile banking tools. To help protect your accounts, regularly review transactions, keep your contact information up to date, use strong passwords, and notify us immediately if you notice suspicious activity.
- How do I enroll in Online Banking and FB Mobile Banking?
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- How can FB Financial help me manage my everyday finances?
FB Financial offers a variety of personal banking solutions, including checking accounts, savings accounts, debit cards, credit cards, digital banking tools, and personalized support to help you reach your financial goals.
- What features are available in FB Mobile Banking?
With FB Mobile Banking, you can check balances, transfer funds, deposit checks, pay bills, send and receive money with Zelle®, manage your debit card, and monitor account activity from your mobile device.
- Can I use my FB Financial debit card with a mobile wallet?
Yes. Eligible FB Financial debit cards can be added to Apple Pay®, Google Pay™, and Samsung Wallet, allowing you to make secure, contactless purchases in stores, online, and within participating apps.
- How can FB Financial help me manage my everyday finances?