Personal Banking | Checking

Does your checking account need a checkup? First Western offers checking accounts for a wide range of lifestyles, from our free URFirst Checking account that pays interest to the VIP Checking account for seniors. Every account includes Online Banking, Online Bill Pay and our Mobile Banking app at no extra charge.

URFirst Checking – The best of both worlds – free checking plus interest!

With URFirst Checking, there’s no monthly maintenance fee, no ATM fees and no minimum balance fees.

  • 2.02% APY interest paid on balances up to $20,000 1
  • No monthly maintenance fee 1
  • No minimum balance fee
  • Free unlimited nationwide ATM access 2
  • Free initial order of 50 URFirst starter checks 2
  • Free, instantly issued URFirst Debit MasterCard®
  • Only $100 deposit to open an account

To earn this high interest rate, you need 25 debit card transactions3 and four electronic transactions4 (like direct deposits or automatic bill payments) per statement cycle, and also sign up to receive your statements via email.

Preferred Checking Interest–earning checking with attractive benefits.

This excellent account pays interest, offers free checks and includes a free consultation about your financial goals with a First Western representative.

  • Earn interest when you maintain a minimum monthly balance 5
  • Free checks
  • One free financial consultation with a First Western Financial representative 6
  • Avoid a monthly service charge by maintaining a low minimum balance 5
  • Discount on safe deposit box

VIP Checking Free – Checking for seniors!

If you’re over age 55, you may qualify for VIP checking, which provides several free services and the ability to earn interest.

  • Free checks
  • Free cashier’s checks
  • Earn interest with a minimum balance of $1,000
  • Discount on safe deposit box
  • No minimum balance to maintain
  • Only $100 deposit to open an account

Classic Checking No-frills checking with paper statements.

If you just need a basic checking account with minimal features, this could be the one for you.

  • No minimum balance to maintain
  • Paper statement mailed monthly
  • $3 monthly service charge
  • Only $100 deposit to open an account

Let us help you find the account that fits you best.

Call your First Western representative today:

1-800-979-4577 toll-free in Western Arkansas and 1-877-631-0107 toll-free in Northwest Arkansas.

1 – 2.02% Annual Percentage Yield (2.00% Interest Rate) on Average Daily Balance per statement cycle up to $20,000. Average Daily Balances over $20,000 earn 0.35% Interest Rate, resulting in 2.02% to 0.68% APY, depending on the balance. If qualifications are not met, no interest will be earned. Minimum to open is $100.00. Fees could reduce earnings. APYs are accurate as of 2/13/14. Rate is subject to change daily and may change after account is opened.

2 – Domestic non-First Western ATM fees will be refunded at end-of-day processing on the day account is charged, the date transaction was made to post to and settle. International ATM fees still apply.

3 – Qualifying transactions must post to and settle the account during the statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle.

4 – Non-Qualifying electronic transactions that do not apply: ATM transactions, bill pay checks, and internal transfers.

5 – Fees could reduce earnings on account.

6 – Financial products are not FDIC insured; not guaranteed by the bank; may lose value; not a deposit; not insured by any Federal Government Agency.

7 – The product allows for unlimited deposits, but limited to 6 free withdrawals a month.