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Upvotes1st Bank Totally Free Checking
1st Bank Totally Free Checking
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WalletHub RatingRatesFeesUsageQ&ACustomer Reviews
1st Bank Totally Free Checking Rates
| Balance | APY |
|---|---|
| $0+ | 0.00% |
1st Bank Totally Free Checking Fees
| None | |
| N/A | |
| N/A |
| None | |
| $30 | |
| $5 every day |
1st Bank Totally Free Checking ATM & Debit Card Usage
| None | |
| ATM Network Size | 55,000 ATMs |
| N/A | |
| Not Offered |
| N/A | |
| VISA | |
| N/A |
1st Bank Totally Free Checking Additional Info
| No | |
| $0 per month | |
| None |
No minimum balance or monthly service chargeFREE Standard VISA® Debit CardFREE Mobile Banking with Mobile Check DepositYou have access to more than 55,000 surcharge-free ATMs across the world
1st Bank Totally Free Checking Q&A
Can't find what you are looking for? Submit your question about 1st Bank Totally Free Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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1
UpvoteHow to fund this account?
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1
UpvoteIs there a minimum amount of card usage you have to have before you get charged with a fee?
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WalletHub
The Totally Free Checking account doesn't charge any fees.
0
Upvotes0
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UpvotesIn which states are the 100 banks located?
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James W Reed
You can find all of 1st Bank's branches on the website at https://www.1stbank-online.com/, by clicking on “Find a Branch.”
0
UpvotesIs there mobile banking and check deposit?
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James W Reed
Unfortunately, 1st Bank does not offer mobile banking or check deposits. However, the 1st Bank does offer online banking services. Please find more details here: https://www.1stbank-online.com/onlineFeatures.cfm.
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UpvotesWhat is the bank's routing number?
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UpvotesHow much is it to start?
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UpvotesCan I do international transactions?
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1st Bank Totally Free Checking Reviews
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4.1
19 reviews
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1 Star Rating
What it does not say is there is an inactivity fee of $10/month. That would be $120/year for free checking! This seems to be a new fee as I have had accounts at 1stBank for over 20 years and suddenly balances on 2 accounts are reduced by fees. Moving to another bank! https://www.efirstbank.com/firstbank/fees-personal.htm
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5 Star Rating
I have never in my life have had so many problems with a bank! At the branch the employees are very uneducated and they don't want to help you. Your bank is suppose to be on your side. Firstbank is not your friend. Even in your contract it states that they can and will close your account for any reason at anytime. This is not the bank for anyone. Think about it long and hard before letting this bank handle your money.
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5 Star Rating
This is truly free at its finest. When they say free checking they mean just that- FREE CHECKING!! This was the reason I looked into this handy little bank,and let me tell you, I am glad I did. In addition to the free checking the online banking interaction is well organized. The most that I expected was a run of the mill bank... but the customer service that I encountered form da one, told me that was a carig place that goes beyond the ordinary. I love this pace and recommend it kindheartedly.
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5 Star Rating
I love 1ST bank. I have my check directly deposited into my account. I am normally the first person at work that has there check already every pay day. I have the Totally free checking account. Unlike other banks I have used, they are really nice and all of the tellers know there jobs well. I've never had to wait for more than 5 minutes to cash checks or to purchase stamps. They are also really nice about letting me buy quarters so I can do my laundry. Some banks give you a hard time.
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5 Star Rating
1ST Bank Totally free checking is awesome! No fees for anything but overdrafting. I had previously had an account at Bank of America with their eChecking but they would charge a nasty fee if you talk to a teller which was really frustrating considering their online and phone service was subpar. With 1ST Bank, while the account is pretty low frills it offers truly free checking and is super easy to use and cheap to maintain.
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4 Star Rating
This is a great checking account. The fact that there is online bill pay, a relatively small overdraft fee and ease of use, this is a no brainer. With many other banks trying to nickel and dime you, it is nice to finally have a bank that just gives you something that is actually free! I can’t say enough good things about the customer service as well. They are very friendly and willing to help you with anything (even if it is to dispute an overdrawn fee or something like that).
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3 Star Rating
This is a great checking account! Even though the overdraft fee is very high, you can call customer service to take it off, and they always refund you the overdraft fee. Also, if you receive a negative account balance fee of $5, customer service will remove most of it for you as well.
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5 Star Rating
Free checking all the time all day, no fees, no nothing! The 1ST BANK Totally Free Checking is great for someone who just needs to keep a little bit of money in the bank or wants to save up without any fees! It is really hard to find a bank that will give you no fees, everyone wants to charge you 10-25 dollars depending on the bank! ridiculous! I am glad i found this bank and it has made worrying about keeping money in the bank. The bank is friendly and helpful as well, signing up was painless, you would be a fool to skip out on this! Avoid those fees and sign up!
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5 Star Rating
It's so hard these days to find anything which really is what the company advertises. With 1ST BANK Totally Free Checking, on the other hand, I get exactly what they're advertising: a checking account with no strings attached. I hated when my old bank would take fees from me when my balance was low, because it's like paying a poor tax. I also hated the idea of paying the bank for operating an account when it was in there interest that I simply had one. I like what I get at 1st BANK, because it is easy, reliable, and costs me nothing.
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Last updated: Nov 5th, 2025 at 11:37 ET