Checking Accounts

1st Checking

  • $100.00 minimum deposit to open
  • No monthly service charge
  • Unlimited check writing
  • Free internet banking with ManateEpay (bill pay service)
  • Free Visa debit card
  • Non-interest bearing account
  • Free monthly image statement

1st Now

  • $100.00 minimum deposit to open
  • $10.00 monthly service charge

The service charge can be avoided by maintaining a $500.00 minimum daily ledger balance

  • Unlimited check writing
  • Free internet banking with ManateEpay (bill pay service)
  • Free Visa debit card
  • Interest bearing account.  Interest is compounded daily on the ledger balance and credited to your account monthly. 
  • Free monthly image statement

1st Senior NOW

  • Available to any individual age 50 or older
  • $100.00 minimum deposit to open
  • No monthly service charge
  • Unlimited check writing
  • Free checks in select styles
  • Free internet banking with ManateEpay (bill pay service)
  • Free Visa debit card
  • Free Cashier’s Checks
  • Free Travelers Cheques
  • Free monthly image statement
  • Tiered interest rate structure.  Interest is compounded daily on the ledger balance and credited to your account monthly.  You must maintain the minimum tiered balance(s) to earn the stated Annual Percentage Yield shown on the rate sheet.  The tiered rate structure is shown on the rate sheet.
  • 50% discount on safe deposit box annual rental (while supplies last, key deposit applicable)
Savings Account

1st Savings Account

  • $100.00 minimum deposit to open
  • Interest is compounded daily on the ledger balance and credited to your account quarterly.
  • $5.00 monthly maintenance fee.
    The maintenance fee can be avoided by maintaining a $100.00 minimum daily ledger balance.
  • Six (6) total withdrawal or transfer transactions allowed per calendar month.  Each time a withdrawal or transfer is paid against your account in excess of those allowed by federal regulation, you will be assessed an “Excess Reg D Tran” fee of $5.00.  If an account continuously exceeds the withdrawal or transfer transactions allowed, we are required by law to reclassify of close the account.
  • Free quarterly image statements

1st Youth Savings Account

  • Available to any individual age 18 or younger.
  • $25.00 minimum deposit to open
  • Interest is compounded daily on the ledger balance and credited to your account quarterly. 
  • Six (6) total withdrawal or transfer transactions allowed per calendar month.  Each time a withdrawal or transfer is paid against your account in excess of those allowed by federal regulation, you will be assessed an “Excess Reg D Tran” fee of $5.00.  If an account continuously exceeds the withdrawal or transfer transactions allowed, we are required by law to reclassify of close the account.
  • Free quarterly image statements

Money Market Account

1st Money Market Account

  • $500.00 minimum deposit to open
  • $10.00 monthly service charge
    The service charge can be avoided by maintaining a $1000.00 minimum daily ledger balance
  • Free internet banking with ManateEpay (bill pay service)
  • Tiered interest rate structure.  Interest is compounded daily on the ledger balance and credited to your account monthly.  You must maintain the minimum tiered balance(s) to earn the stated Annual Percentage Yield shown on the rate sheet.   The tiered rate structure is shown on the rate sheet.
  • Six (6) total withdrawal or transfer transactions allowed per monthly statement cycle.  Each time a withdrawal or transfer is paid against your account in excess of those allowed by federal regulation, you will be assessed an “Excess Reg D Tran” fee of $5.00.  If an account continuously exceeds the withdrawal or transfer transactions allowed, we are required by law to reclassify of close the account.
  • Free monthly image statements

Certificates of Deposit and Individual Retirement Accounts (IRAs)

  • $500.00 minimum deposit to open
  • Competitive guaranteed rates
  • Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity.
  • Withdrawal of interest will reduce earnings.
  
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