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Click. Shop. Enjoy Cash Back.

With a Firstrust Checking Account, you can get cash back
on offers you choose from your everyday debit card purchases.

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  • FirstPaysm

    Best if you want:

    • To keep a lower balance
    • Multiple ways to avoid service charges
    • Just the basics

  • FirstPaysm Premier

    Best if you:

    • Maintain at least $5000 in combined balance
    • OR have a consumer loan worth at least $50,000
    • Want some unique benefits like ATM fee (4) rebates and cash back for debit purchases (3)

Firstrust knows that your money is important to you.

  • Here are a few things to consider:
  • Will you maintain a combined $5000.00 balance in checking, savings, and/or CD accounts with Firstrust?
  • Do you have a consumer loan with Firstrust of at least $50,000?
  • Will you be using this account with a direct deposit of payroll, pension or Social Security?

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What’s included for free?

  • FirstPaysm
    • FREE Firstrust Visa® Debit Card (1)
    • FREE online and mobile banking
    • FREE bill pay
    • FREE secure eStatements
  • FirstPaysm Premier
    • FREE Firstrust Visa® Debit Card (1)
    • FREE online and mobile banking
    • FREE bill pay
    • FREE secure eStatements
    • FREE Checks (2)
  • (1)Other financial institutions and/or ATM operators may impose a fee for the use of their ATM
  • (2)Free personal wallet-style checks or 50% discount on personalized specialty checks.

Can you avoid a monthly service charge?

  • FirstPaysm

    You can avoid a monthly service charge with this account if you:

    • Use Direct Deposit of payroll, pension or Social Security
    • OR make 10 Debit Card purchases
    • OR make 5 internet banking bill payments
    • OR have a $500 minimum daily ledger balance

    Otherwise:
    $10.00 per month

  • FirstPaysm Premier

    You can avoid a monthly service charge with this account if you:

    • Maintain a $5,000 combined average ledger balance in your Checking, Savings and CD.
    • OR have $50,000 in consumer loan and line of credit balances.

    Otherwise:
    $25.00 per month

Can you get cash back?

  • FirstPaysm
    • Firstrust does not offer cash back on this account for every Visa® Debit Card purchase, but if you can maintain a $5,000 combined average ledger balance in your Checking, Savings and CD or have $50,000 in consumer loan and line of credit balances, you're eligible for FirstPay Premier.
    • With the Purchase Rewards program you can get cash back offers through Internet Banking from the types of places you like to shop when you use your Firstrust debit card. You just need to:
      • Click to activate an offer
      • Shop and
      • Enjoy cash back rewards deposited into your checking account at the end of the next month.
  • FirstPaysm Premier
    • For every Visa® Debit Card purchase you make, we’ll put 10¢ back into your account. (3)
    • We'll reimburse you for any ATM fees on checking account withdrawals you may incur from other financial institutions – up to $12 per statement cycle. (4)
    • With Purchase Rewards you also get cash back offers through Internet Banking from the types of places you like to shop when you use your Firstrust debit card. Just click, shop and enjoy cash back rewards deposited into your checking account at the end of the next month.
  • (3)10¢ FirstPaysm reward per Debit Card transaction. Eligible transactions include purchases made with your Debit Card and Internet Debit Card Bill Payments. Eligible transactions do not include ATM transactions. FirstPaysm Rewards will be credited monthly.
  • (4)Other financial institutions and/or ATM operators may impose a fee for the use of their ATM. Firstrust will refund up to $12 per statement cycle for fees to use other financial institutions’ ATMs for checking account transactions only.

Firstrust has the right to revise our products at any time and without notice. Certain features and benefits described are only available while your account is maintained in good standing.

Avoid Monthly Service Charges

Monthly service charges may be charged to you if you are unable to maintain a minimum average daily balance or meet certain criteria.

FirstPaysm

How to avoid a monthly service charge with this account:

  • Use direct deposit of payroll, pension or Social Security
  • Make 10 Debit Card purchases AND/OR 5 online banking bill payments a month
  • Maintain a $500 minimum daily balance

Otherwise: $10.00 monthly fee

FirstPaysm Premier

How to avoid a monthly service charge with this account:

  • Maintain a $5000 combined average balance in checking, savings and CD
  • OR have $50,000 in consumer loan line of credit balances.

Otherwise: $25.00 monthly fee

Avoid Overdraft Fees

Overdraft fees are charged when there isn’t enough money in your account to cover a transaction. Learn more about overdraft fees or talk to a banker about ways to avoid making overdrafts on your accounts.

There are two things you can consider to help avoid or minimize overdraft charges:

Overdraft Protection:

  • Link a line of credit or a savings account to your checking. Firstrust typically charges a fee each time you overdraw your account, but these Overdraft Protection plans may be less expensive than standard overdraft practices.

Debit Card Approval Rules:

  • Choosing to opt in allows you to make charges exceeding your available balance, incurring fees. Firstrust will not authorize and pay overdrafts for everyday debit card and ATM transactions unless you opt in.
  • If you don’t opt in, you cannot make a charge that is more than your current balance.

Be Closer to your Accounts with Online Access

Our checking accounts offer free online banking and bill pay. In our experience, customers who check their balances and pay the majority of their bills online are more in tune with their money and spending habits. Because of this, online customers overdraw their accounts much less than those who do not use online banking regularly.

For more information, talk to a banker or sign up for online access.

Get a great rate on a Mortgage or Refinance.

Our customers enjoy great rates on new home loans as well as refinances. We offer a broad range of products and will work with you based on your unique needs to find you the right loan.

Firstrust has the right to revise our products at any time and without notice. Certain features and benefits described are only available while your account is maintained in good standing.

 

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