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, Apple Pay and our Mobile Banking app1 at no extra charge.
URFirst Checking
- 2.02% APY interest paid on balances up to $20,0002
- No minimum balance fee
- Free, instantly issued URFirst Debit MasterCard®
- Only $100 deposit to open an account
- Monthly service charge can be waived if statements are received electronically
- $5 refund on non-First Western ATMs
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 to sign up to receive your statements via email.
URFirst Advantage Checking – Great checking with exclusive perks!
This account is loaded with extras – including premium banking features, identity theft protection, rewards, discounts and more!
Banking Benefits
- Monthly e-statement or paper statement
- Free, instantly issued URFirst Debit MasterCard®
- Debit Care Customer Protection Center Fraud Service and SMS Text Alerts
- Free cashier’s checks (1 per day)
IDProtect®
- Identity theft protection for you5
- Includes 3in1 Credit File Monitoring, Credit Report, and Identity Theft Expense Reimbursement Coverage6 and Resolution
Service
- Registration and activation required
Accidental Death & Dismemberment Insurance6,7
- Up to $20,000
- 24-hour coverage assistance
- Coverage divides equally among joint account owners
- Coverage does not reduce at any age
Cellular Telephone Protection6
- Cannot be a leased phone
- Cellular phone bill must be paid through this account
- Covers first three phones listed on the cellular phone bill
- Covers damage or theft
- Up to two claims per year
- Up to $300 per claim
- $50 deductible per claim
$hopping Rewards™
- Access to exclusive offers and discounts at thousands of leading online retailers
- Shop online using our customized shopping portal and receive cash back
- Cash back will be held in your Shopping Rewards account to use towards future purchases – or conveniently sent to
you as a check
Registration and activation required.
Gas & Gift Cards
- Receive 20% savings on gas and gift cards
- No hidden fees
Registration and activation required. Terms and Conditions apply.
Travel and Leisure Discounts
- Redeem and print coupons online
- Access discounts from your mobile device
- Local and national discounts such as: hotels, restaurants, rental car, museums, florist, sporting events, dry cleaners and
more
Registration and enrollment required.
Family Health Discounts*
- Prescriptions
- Vision – exams, glasses, contact lenses, corrective surgeries
- Dental
*This is NOT insurance.
Registration and activation required.
Registration and activation required.
Preferred Checking – Interest-earning checking with attractive benefits.
This account pays interest and includes a free consultation about your financial goals with a First Western representative.7
- Earn interest when you maintain a minimum monthly balance
- $1,000 minimum balance required to avoid low balance service charge8
- Discount on safe deposit box
- Free cashier’s checks (1 per day)
- Monthly service charge can be waived if statements received electronically
Overdraft Coverage
Life Happens! First Western Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
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.
| Features | URFirst Checking | URFirst Advantage Checking | Preferred Checking |
|---|---|---|---|
| Minimum Balance to Open | $100 | $100 | $1000 |
| Monthly Service Charge | $3.00 Fee may be waived if statements are received electronically in lieu of paper statements(9) |
$6.00 Includes paper statements(9) |
$3.00 Fee may be waived if statements are received electronically in lieu of paper statements(9). If balance falls below $1,000 during statement cycle, a low balance fee of $12.00 will be assessed. |
| Earns Interest | 2.02% APY on balances up to $20,000(2)(8) if qualifications are met; must receive eStatements(9) 25 debit card transactions(3) and four electronic transactions(4), such as ACHs required, per statement cycle. | This account does not earn interest | On balances of $1,000 or more(8) |
| Free Online Banking1 |  |
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| Free Bill Pay1 |  |
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| Free Mobile Banking1 |  |
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| Free Mobile Text Banking1 |  |
 |
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| Free Mobile Deposit Available1 |  |
 |
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| Free FW Instant Issue Debit Card (Select Design and School Mascot Cards $5.00) |
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| Free Debit Card Customer Protection Center Fraud Service1 |  |
 |
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| Free Debit Card SMS Text Alerts1 |  |
 |
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| First Western ATMs | Free | Free | Free |
| Non-First Western ATMs | Rebated up to $5 per month(10) |
Rebated up to $5
per month(10)
|
Rebated up to $5
per month(10)
|
| eStatements | Free | Free | Free |
| Notary Service | Free | Free | Free |
| Additional Benefits |
Free personal financial management tool - "Financial Center" via
Online Banking
One free financial consultation with a FWF representative(7)
|
Free personal financial management tool - "Financial Center" via Online Banking
One free financial consultation with a FWF representative(7)
|
50% Discount on safe deposit box
Free personal financial management tool - "Financial Center" via Online Banking One free financial consultation with a FWF representative(7) Two free Overdraft fee refunds annually, free Cashier's checks (1 per day) |
1 – Data and message rates may apply for Mobile and Text Banking, please contact your mobile carrier for details.
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. 0.05% APY if qualifications are not met. Minimum to open is $100.00. Fees could reduce earnings. APYs are accurate as of 3/1/23. 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 – IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
6 – 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. Refer to "Guide to Benefit" for complete details of coverage.
7 – Insurance and Financial products are not FDIC insured; not guaranteed by the bank; may lose value; not a deposit; not insured by any Federal Government Agency.
8 – Fees could reduce earnings on account.
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. 0.05% APY if qualifications are not met. Minimum to open is $100.00. Fees could reduce earnings. APYs are accurate as of 3/1/23. 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 – IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
6 – 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. Refer to "Guide to Benefit" for complete details of coverage.
7 – Insurance and Financial products are not FDIC insured; not guaranteed by the bank; may lose value; not a deposit; not insured by any Federal Government Agency.
8 – Fees could reduce earnings on account.
9 – Required to confirm consent electronically through Online Banking before service charge will be waived
10 –Domestic non-First Western ATM fees will be refunded at end-of-day processing on the day the account is charged, the date transaction was made to post to and settle. International ATM fees still apply.
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.
