Personal Banking | Checking

Does your checking account need a checkup? First Western offers checking accounts for a wide range of lifestyles, from our URFirst Checking account that pays interest to the VIP Checking account for seniors. Every account includes Online Banking, Online Bill Pay, our Mobile Banking app, Mobile Text Banking, Mobile Deposit, E-Lert, Fraud Protection, Personal Financial Management Tool, and a Consultation with a First Western Financial Representative at no extra charge.

URFirst Checking – Earn our highest interest rate!

  • 2.02% APY interest paid on balances up to $20,000 1
  • No minimum balance fee
  • Free initial order of 50 URFirst starter checks
  • Free, instantly issued URFirst Debit MasterCard®
  • Only $100 deposit to open an account
  • Monthly service charge can be waived if statements are received electronically

To earn this high interest rate, you need 25 debit card transactions2 and four electronic transactions3 (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 one free box of basic checks per year and includes a free consultation about your financial goals with a First Western representative.5

  • Earn interest when you maintain a minimum monthly balance 4
  • One free box of basic checks per year
  • One free financial consultation with a First Western Financial representative 5
  • $1,000 minimum balance required to avoid low balance service charge
  • Discount on safe deposit box
  • Free cashier’s checks ( 1 per day)
  • Monthly service charge can be waived if statements received electronically

VIP Checking – Checking for seniors!

If you’re over the age 62, you may qualify for VIP checking, which provides several services and the ability to earn interest.

  • One free box of basic checks per year
  • Free cashier’s checks ( 1 per day)
  • Earn interest with a minimum balance of $500 4
  • Discount on safe deposit box
  • No minimum balance to maintain
  • Only $100 deposit to open an account
  • Monthly service charge can be waived by maintaining a $5,000 minimum balance or receiving statements electronically

Overdraft Coverage

Life Happens! First Western Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.Click Here for More Info

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 7/01/15. Rate is subject to change daily and may change after account is opened.

2 – 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.

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

4 – Fees could reduce earnings on account.

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