Personal Checking
Achieve Financial Success with Flexible Checking Options
You deserve first-class, personalized service as you pursue your financial goals. With Idaho First Bank, you're free to choose the personal checking account that fits your needs or let us help you make the right choice. Either way, you get expert assistance and your money remains close by, right here in the community.
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| Climb | Peak | Pinnacle | Summit (Senior 62+) |
Residential Pinnacle | |
|---|---|---|---|---|---|
| Minimum Balance to Open | $100 |
$100 |
$200 |
$100 |
$200 |
| Monthly Maintenance Fee 1 | $3 |
$7 |
$10 |
$0 |
$10 |
| Accrues Interest |  |
|
|
||
| Average Collected Balance to Avoid Fee | $250 |
$1,000 |
$5,000 |
$0 |
$5,000 |
| Average Aggregated Collected Balance to Avoid Fee 2 | $500 |
$2,500 |
$10,000 |
$0 |
$10,000 |
| Online Banking |  |
|
 |
 |
 |
| Bill Pay |  |
 |
 |
 |
 |
| Mobile Banking |  |
 |
 |
 |
 |
| RDA |  3 |
 3 |
 3 |
 |
 3 |
| Statements 4 | |
|
|
|
 |
| Visa Debit Card |  |
 |
 |
 |
 |
| Checks 5 |  |
 |
|||
| Safe Deposit Box 6 | |
 |
 |
||
| Free Official Checks/M/O |  |
||||
| Free Savings 7 |  |
||||
| Learn about Climb | Learn about Peak | Learn about Pinnacle | Learn about Summit | Learn about Residential Pinnacle |
1 Climb monthly maintenance fee waived with 1 direct deposit per month. Residential Pinnacle monthly maintenance fee waived with 1 payroll direct deposit and maintain a bill pay account.
2 Aggregate of Idaho First Bank Checking, savings, Money Market accounts (excludes CD's, IRA's, Loans, Lines of Credit, and Credit Cards)
3 5 free per statement cycle, $.50 each additional (additional $.50 per item fee waived for the Summit Senior 62+ account)
4 E-Statements free, paper statements $3.00 per statement cycle - waived for Summit (Senior 62+)/Student Savings/Health Savings Account
5 Bank logo checks only 1 box per 12 month period
6 For Peak accounts receive 1/2 off your first years box rental fee for a 3 X 5 safe deposit box (subject to availability). For the Pinnacle and Residential Pinnacle accounts 1st year fee is waived for a 3 X 5 safe deposit box ($15.00 value, subject to availability)
7 Statement Savings balance requirement fee is waived if attached to the "Climb" account as overdraft protection
Climb
- $100.00 minimum balance to open
- $3.00 monthly maintenance fee if average collected balance falls below $250.00 or average aggregated collected balance falls below $500.00 (Fee waived with 1 direct deposit a month)
Services Included:
- Online Banking
- Bill Pay
- Mobile Banking
- Remote Deposit Anywhere
- E-statements
- Visa Debit Card
- Free Savings if attached
Additional Services offered (fees may apply)
- Paper Statements
- Checks
- Official Checks/Money Orders
Peak
- Accrues Interest
- $100.00 minimum balance to open
- $7.00 monthly maintenance fee if average collected balance falls below $1,000.00 or average aggregated collected balance falls below $2,500.00
Services Included:
- Online Banking
- Bill Pay
- Mobile Banking
- Remote Deposit Anywhere
- E-statements
- Visa Debit Card
- ½ off 1st year 3" X 5" Safe Deposit Box (subject to availability)
Additional Services offered (fees may apply)
- Paper Statements
- Checks
- Official Checks/Money Orders
Pinnacle
- Accrues Interest
- $200.00 minimum balance to open
- $10.00 monthly maintenance fee if average collected balance falls below $5,000.00 or average aggregated collected balance falls below $10,000.00
Services Included:
- Online Banking
- Bill Pay
- Mobile Banking
- Remote Deposit Anywhere
- E-statements
- Visa Debit Card
- 1st year free 3" X 5" Safe Deposit Box (subject to availability)
- Checks - Idaho First Bank logo (1 box per 12 month period)
Additional Services offered (fees may apply)
- Paper Statements
- Official Checks/Money Orders
Summit (Senior 62+)
- $100.00 minimum balance to open
- No monthly maintenance fee
Services Included:
- Online Banking
- Bill Pay
- Mobile Banking
- Remote Deposit Anywhere
- E-Statements or Free Paper Statements
- Visa Debit Card
- Free Official Checks and Money Orders
- 1 box of Bank logo checks per 12 month period
Residential Pinnacle
- Accrues Interest
- $200.00 minimum balance to open
- $10.00 monthly maintenance fee if average collected balance falls below $5,000.00 or average aggregated collected balance falls below $10,000.00 (Fee waived with payroll direct deposit and maintain a bill pay account with Idaho First Bank)
- $250.00 Deposit Credit ( You must have your payroll check direct deposited into the Residential Pinnacle account, obtain a residential mortgage loan with Idaho First Bank, and maintain a Bill Pay account with Idaho First Bank within 60 days from opening the checking account. The $250 will be deposited in your account within 90 days of meeting the above requirements. The $250 will be reported on 1099-INT form. If you close your checking account within 90 days of account opening, you will be charged a $25 account early closure fee) .
Services Included:
- Online Banking
- Bill Pay
- Mobile Banking
- Remote Deposit Anywhere
- E-Statements
- Visa Debit Card
- 1st year of 3" X 5" Safe Deposit Box free (subject to availability)
Your local personal checking decision maker is here to help you make it happen. Click here to locate one today.
Banking 24/7
You can't always get to the bank, so you need a variety of anytime online financial services. Access a wide range of banking capabilities 24/7 through Idaho First Bank night depositories, ATM’s, the MoneyPass Network, Remote Deposit services, Mobile Banking services and our easy Online Banking.
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