Checking

Video: My Fit Checking - banking that fits your style

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My Fit Checking Voice Over Script
People use money in different ways.
Some need day-to-day flexibility, while others have more long-term goals.
Some prefer traditional payment methods, while others are looking for secure, modern spending solutions.
Some need a safe, no-hassle place to keep and access their money, while others are looking for an account with added security measures, insurance options, and of course, protection from fraud.
At First Bank Richmond, we think a checking account should fit your needs, not the other way around.
Introducing My Fit Checking. Banking that fits your style.

 
Video: Phone Insurance

Phone Insurance

Video: Identity Theft

Identity Theft

Video: Credit Monitoring

Credit Monitoring

 

A checking account can be more than just a place to keep your money. It can be a way to simplify your financial life by making managing money easier.

First Bank Richmond’s My Fit checking accounts let you select the type of checking account that best fits your financial needs.

Basic Fit

Spend Smarter. Save Time. It’s Simple!

Basic Fit checking is an electronic checking account created to fit your lifestyle. Even better, all of the tools that you need to help you meet your financial goals are included in your account for a low monthly maintenance fee.

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Basic Fit includes all of the following savings benefits:

  •  Free Electronic Banking Package includes online banking with alerts, Bill Payer, e-statements, 24-hour telephone banking and My Pocket Bank mobile banking app with remote deposit capture for your phone or tablet*
  • Free Visa™ debit card
  • Courtesy fee refund for first overdraft or NSF fee
  • Overdraft Privilege Program**
  • Free consultation with Trust & Investment Officer

With Basic Fit, you can save time and money by choosing to take advantage of these additional features:

  •  View electronic bank statements from home. Receive your statement up to a week sooner than paper statements by enrolling in e-statements. ++
  • Receive your deposits automatically. Direct deposit allows quicker and easier access to your money.
  • Pay your bills online at your convenience. Use our free online banking and mobile banking Bill Payer service to pay your bills at your convenience—from anywhere!
  • First Bank ATM fee reimbursement. Complete 20 debit card transactions and receive a refund for any First Bank foreign ATM charge incurred during the statement cycle. +

*  Account must meet eligibility requirements to qualify for remote deposit capture. Check with your cellular phone service provider for information on text messaging and data usage charges.** Account must be in good standing.

+ Foreign ATM surcharge fee still applies.

++$0 maintenance fee when enrolled in e-statements OR  when signed up for direct deposit.  Otherwise, a $2.95 monthly maintenance fee will be charged.

Modern Fit

Be Safer. Spend Smarter. It’s Simple!

Modern Fit checking makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases. Even better, all of these security and savings benefits are included in your account for a low monthly maintenance fee.

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Modern Fit checking gives you the opportunity to keep your family finances safer through credit monitoring and identity theft protection and restoration.  You’ll also benefit from savings on healthcare, entertainment and travel expenses.  Modern Fit includes the following benefits:

  • Competitive interest rate on qualifying balances*
  • Free Electronic Banking Package includes online banking with alerts, Bill Payer, e-statements, telephone banking and My Pocket Bank mobile banking app with remote deposit capture for your phone or tablet**
  • Free Visa™ debit card
  • Courtesy fee refund for first overdraft or NSF fee
  • Overdraft Privilege Program+
  • Free resources to help strengthen your credit skills
  • Free consultation with Trust & Investment officer

*  See Rate Schedule for balance requirements and rate  information.** Account must meet eligibility requirements to qualify for remote deposit capture. Check with your  cellular phone service provider for information on text messaging and data usage charges.

+ Account must be in good standing.

Identity theft is on the rise, but you can rest easy knowing that with Modern Fit checking, you and your family are protected by our comprehensive IDProtect®2 service, which includes:

  •  Identity Fraud Expense Reimbursement Coverage3
  • Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud
  • Comprehensive Identity Theft Resolution Services – Should you suffer identity theft, your very own IDProtect™ fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement  cards — and your liability is limited — should your cards become lost or stolen. (Registration and activation required.)
  • 3-in-1 Credit File Monitoring – IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration and activation required.)
  • 3-in-1 Credit Report – Request a free updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single-bureau credit score. (Registration and activation required.)
  • Total Identity Monitoring – Continuous monitoring of over 1,000 databases. (Registration and activation required.)

Save on health care

  •  Health Discount Savings – Enjoy savings on vision, prescriptions and dental services. (Registration and activation required.)  This is NOT insurance.

With Modern Fit, you can save time and money by fulfilling one or more of the following:++

  • Receive a monthly direct deposit OR sign up for e-statements
  • Maintain a $1,000 minimum daily balance OR a $10,000 deposit relationship
  • Complete 20 debit card transactions
  • Set up an automatic monthly payment from your Modern Fit checking account to your First Bank mortgage or home equity line of credit
  • Do not write any checks
  • Pay a bill using our online banking Bill Payer service

++$0 maintenance fee when four qualifiers are met during the statement cycle.  Otherwise, receive a $2.00 credit toward the $6.95 monthly maintenance fee for each qualifier met during the statement cycle.

View disclaimers

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

  1. Javelin Strategy and Research. Identity Fraud Report, March 2015.
     
  2. IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.
     
  3. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
     
  4. Plateau Insurance Company of Crossville, TN, will be our Accidental Death & Dismemberment Insurance underwriter.
     
  5. Refer to Guide To Benefit for complete details of coverage.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Sign up/log in to Secure Checking® >>

Secure Checking® - Safe. Simple. Smart.

Classic Fit

Classic Fit checking is a tiered-interest checking account created to fit your lifestyle. Even better, all of the tools that you need to help you meet your financial goals are included in your account for a low monthly maintenance fee. To thank you for your business, enjoy additional cost savings benefits to help grow your balance.

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With your Classic Fit account, you can grow your balance and save money by taking advantage of these features.

  • Earn a higher rate of interest with a specialized tiered-interest plan.+
  • Receive a bonus interest rate on your account balance when you complete 20 debit card transactions.
  • First Bank ATM fee reimbursement. Receive a refund on four First Bank foreign ATM charges incurred during the statement cycle.++
  • Free negotiable items. Receive free official checks, money orders and stop-payment requests.
  • Free overdraft protection transfers from linked deposit accounts.

Classic Fit includes all of the additional savings benefits:

  • Free Electronic Banking Package includes online banking with alerts, Bill Payer, e-statements, 24-hour telephone banking and My Pocket Bank mobile banking app with remote deposit capture for your phone or tablet*
  • Free Visa™ debit card
  • Courtesy fee refund for first overdraft or NSF fee
  • Free consultation with Trust & Investment Officer

*  Account must meet eligibility requirements to qualify for  remote deposit capture. Check with your cellular phone service provider for information on text messaging and data usage charges.** Account must be in good standing.

$0 maintenance fee when a $5,000 minimum daily balance OR $25,000 combined deposit relationship is maintained.  Otherwise, an $8.95 monthly maintenance fee will be charged.

+ See Rate Schedule for balance requirements and rate information.

Smart Fit

Smart Fit checking is a free student checking account created to fit your lifestyle. With the additional benefits available at your fingertips, you’ll be able to focus on school while we take the worry out of banking.

View details

Modern Fit includes the following benefits:

  •  Competitive interest rate on qualifying balances*
  • Free Electronic Banking Package includes online banking with alerts, Bill Payer, e-statements, telephone banking and My Pocket Bank mobile banking app with remote deposit capture for your phone or tablet**
  • Free Visa™ debit card
  • Courtesy fee refund for first overdraft or NSF fee
  • Free resources to help strengthen your credit skills
  • Free consultation with Trust & Investment officer

*  See Rate Schedule for balance requirements and rate  information.** Account must meet eligibility requirements to qualify for remote deposit capture. Check with your  cellular phone service provider for information on text messaging and data usage charges.

+ Account must be in good standing.

 

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Online Banking

Did You Know?

You can deposit checks online using a scanner. You can deposit checks online.
Learn more

Dept. Contacts

Main Office
20 North 9th Street
Richmond, IN 47375
(765) 962-2581
(800) 548-8138

For Information about any of our personal banking products, or to open a new account, please contact your nearest First Bank branch.

First Line Telephone Banking
1-877-962-2581

To report a lost or stolen Visa Check Card:
8am – 5pm, Monday – Friday
First Bank Customer Support Department
(765) 962-2581
(800) 548-8138

After business hours
(800) 236-2442

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Note: Please do not include any personal or account information when submitting an e-mail. E-mail messages are not encrypted. If you need to give personal or account information, please telephone us or stop by one of our convenient locations.