Spend
Looking for a convenient, safe place to keep your money when it's not being used? We have several products to help with your spending needs, including checking accounts, debit cards and credit cards.
These accounts help protect your hard earned money. There's no way of getting your cash back if you lose it, but money in the bank is insured and sometimes even earns interest!
| First Free Checking | First Classic Checking | Veterans Checking | |
|---|---|---|---|
| : Visa Debit Card | First Free Checking:  | First Classic Checking: | Veterans Checking: |
| : Interest Bearing | First Free Checking: | First Classic Checking: | Veterans Checking: |
| : Online and Mobile Banking | First Free Checking: | First Classic Checking: | Veterans Checking: |
| : Bill Pay | First Free Checking: | First Classic Checking: | Veterans Checking: |
| : | First Free Checking: Open Account for First Free Checking | First Classic Checking: Open Account for First Classic Checking | Veterans Checking: Open Account for Veterans Checking |
Want To Learn More About Your Checking Options?
First Free Checking
Here is what's included:
- $25 deposit to open
- No monthly service fee
- Online and mobile banking
First Classic Checking
Here is what's included:
- $100 deposit to open
- $5 monthly service fee, waived if you maintain $100 minimum daily balance
- Checks are included
- Online and mobile banking
Effective as of 7/31/2025
| Checking Account | Interest Rate | APY5 | Minimum Opening Deposit | Minimum Balance to Obtain APY | Compounding Frequency |
|---|---|---|---|---|---|
| Checking Account: First Classic6 | Interest Rate: 0.02% | APY5: 0.02% | Minimum Opening Deposit: $100 | Minimum Balance to Obtain APY: none | Compounding Frequency: Monthly |
| Checking Account: Veterans6 | Interest Rate: 0.02% | APY5: 0.02% | Minimum Opening Deposit: $25 | Minimum Balance to Obtain APY: none | Compounding Frequency: Monthly |
5 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
6 At our discretion, we may change the interest rate and APY on this account at any time. Fees could reduce earnings for applicable accounts.
Veterans Checking
Here is what's included:
- $25 deposit to open
- No service charge or fees
- $100 account opening bonus**
- Safe deposit box***
- First Wealth Management consultation
- Personal loan discount*****
- Checks
- Online and mobile banking
*Interest-Bearing Accounts
Refer to current rate sheet for account’s current interest rate and annual percentage yield. No average collected daily balance is required to obtain the disclosed annual percentage yield. At our discretion, we may change the interest rate and annual percentage yield on this account at any time.
Interest is calculated with the daily balance method, and applies a daily periodic rate to the balance in the account each day.
Interest is compounded monthly and credited monthly to the account. If customer personally closes account before interest is credited, accrued interest will be paid. Interest begins accruing no later than the business day we receive credit for the deposit of non-cash items, such as checks.
**$100.00 bonus offered to new accounts and conversion of existing checking accounts to a Veterans Checking account. To be eligible customer must present military ID or other equivalent documentation. Limit one bonus per veteran. Bonus will be applied as an Interest Credit to the account at account opening.
*** One-year free Safe Deposit Box, size 3”x5”, subject to availability. If a larger box is chosen, a credit of the standard annual fee for a 3”x5” box will apply. Following the first year, the standard annual fee for the box size will apply. Boxes are available at our Andale, Goddard, Haven and in Hutchinson: 25th and Main, 17th Ave, and Sherman and Main locations.
***** You are eligible for a .25% Annual Percentage Rate discount on a personal loan when you enroll in auto-debit payments. Discount is subject to credit approval and excludes overdraft banking privilege, mortgage loans, equity lines of credit and all advertised loan specials.
Support and helpful links for checking accounts
Personalized Debit Card Options
Show your community spirit with a personalized debit card from The First. Choose from the American flag or one of our local high schools. The cost is $5 with $2 going to the Kansas Honor Flight for every purchase of an American flag card, and $2 going to the designated school district for each purchase of a high school card.
Change It Up
Change It Up is a feature that rounds up your debit card purchase amounts to the next whole dollar amount and deposits the change into a separate account of your choice at The First.
Enroll through the Services menu in the Online Banking app, call us or stop by any of our financial centers.
More information about Change It Up:
- Please allow up to 48 hours for the service to be enabled.
- Debit cards for Money Market and Health Savings Accounts are not eligible to participate in the program.
- The account you choose to have the money deposited to must be an account at The First you are a signer on.
American Flag Debit Card Design
Fee is waived when opening a Veterans Account.
High School Debit Card Designs
Show your community spirit everywhere you shop!
Greenlight
With the Greenlight debit card and money app, kids can earn money through chores, set savings goals and spend wisely.
Parents can check in via the app, set spending limits and send funds from First National Bank accounts.
Credit Cards
Put More Purchasing Power in Your Pocket!
Simply Rewards™ Visa® Credit Card
Earn more rewards for all your everyday purchases.
3x the points
- Grocery Stores
- Discount Stores
- Gas Stations
- Restaurants and Fast Food
1x the points
- All other purchases
Access your account to see how many points you’ve earned through Online Banking or your monthly statement at www.cardcenterdirect.com.
Redeem your reward points for account credits, gift cards, travel, entertainment and more.
Travel Select® Visa Credit Card
The travel rewards credit card you want in your wallet.
Earn three points per dollar on travel-related purchases like: airfare, hotels, resorts, cruise ships, car rentals and tour buses. Earn one point per dollar on all other purchases.
- No annual fee
- Redeem points for account credits, giftcards, merchandise, travel, entertainment and more
- Attractive introductory APR for 12 months
- No foreign transaction fees
- $0 liability protection on unauthorized purchases
Enjoy Visa benefits like travel assistance services, auto rental insurance and easy online control.
1 Cardholders earn three (3) points per dollar on Net Purchases with MCC Codes: 3000-3756 (airlines, hotels and resorts), 3780 (resorts), 4131 (tour buses), 4411 (cruise ships), 4511 (other airlines), 7011 (lodging) and 7512 (car rentals). Cardholders earn one (1) point per dollar on all other Net Purchases. See Rewards Rules for complete details. For information on travel assistance, travel related insurance, and other Visa benefits, see our Guide to Benefits.
2 See Important Cost Information disclosure that accompanies the card application for additional details. Other UMB accounts not eligible for this balance transfer offer.
3 Visa’s Zero Liability Protection covers U.S.–issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use.
Cards are subject to credit approval. Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
Online and Mobile Banking Services
Access your accounts 24/7 with our online and mobile banking services, the easy and convenient way to manage your finances from anywhere.