Compare Accounts

Personal Checking
  URFirst Checking Preferred Checking VIP Checking Classic Checking

Opening Balance

$100.00

$1,000.00

$100.00

$100.00

Monthly Fee

None

$151

Waived if you maintain a minimum monthly balance of $1,000

None

$3

Minimum Balance Required

None

$1,000 per month

None

None

Earns Interest1

2.02% APY interest on balances up to $20,0002

if you make 25 debit card transactions3 and four electronic transactions4 per statement cycle, and receive your statements via email.

On balances of $1,000 or more5

On balances of $500 or more5

No Interest

Free Instant-Issue Debit MasterCard®

Free

Free

Free

Free

Online Banking and Online Bill Pay

Free

Free

Free

Free

Mobile Banking

Free

Free

Free

Free

eStatements

Free

Free

Free

Free

Paper Statements

No

Yes

Yes

Yes

Free First Western ATM Access

Yes

Yes

Yes

Yes

Free Non-First Western ATM Access

Yes

Rebated(6)

Rebated up to $5.00 per statement cycle6

Rebated up to $5.00 per statement cycle6

Rebated up to $5.00 per statement cycle6

Free Checks

Free Initial order of URFirst Starter Checks

Yes

Yes

No

Additional Benefits

Free personal financial management tool–"My Financial Center"–to view your other financial accounts

One free financial consultation with a First Western Financial representative7


Discount on Safe Deposit Box

Free checking account for those of a specific age


Discount on Safe Deposit Box



Paper statement mailed monthly


1 - Fees may reduce earnings.

2 - 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 04/01/14. Rate is subject to change daily and may change after account is opened.

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 - Minimum balance required to earn interest.

6 - 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.

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