Personal Banking | Checking

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 – Earn our highest interest rate!

  • 2.02% APY interest paid on balances up to $20,0002
  • No minimum balance fee
  • Free initial order of 50 URFirst starter checks
  • Free, instantly issued URFirst Debit MasterCard®
  • Only $100 deposit to open an account
  • Monthly service charge can be waived if statements are received electronically

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 sign up to receive your statements via email.

URFirst Advantage Checking – Great checking with exclusive perks!

This account its loaded with extras – including premium banking features, identity theft protection, rewards, discounts and more!

Banking Benefits

  • One free box of basic checks per year
  • 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)


  • Identity theft protection for you5
  • Includes Credit File Monitoring, Credit Report, Identity Theft Expense Reimbursement
    Coverage6 and Resolution Service

Accidental Death & Dismemberment Insurance5

  • Up to $20,000
  • 24-hour coverage
  • Coverage divides equally among joint account owners
  • Coverage does not reduce at any age

Cellular Telephone Protection6

  • 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 or expiration dates

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

*This is NOT insurance.
Registration and activation required.

Preferred Checking – Interest-earning checking with attractive benefits.

This excellent account pays interest, offers one free box of basic checks per year and includes a free consultation about your financial goals with a First Western representative.7

  • Earn interest when you maintain a minimum monthly balance 8
  • One free box of basic checks per year
  • $1,000 minimum balance required to avoid low balance service charge
  • Discount on safe deposit box
  • Free cashier’s checks (1 per day)
  • Monthly service charge can be waived if statements received electronically

VIP Checking – Checking for seniors!

If you’re over the age 62, you may qualify for VIP checking, which provides several services and the ability to earn interest.

  • One free box of basic checks per year
  • Free cashier’s checks ( 1 per day)
  • Earn interest with a minimum balance of $5008
  • Discount on safe deposit box
  • No minimum balance to maintain
  • Only $100 deposit to open an account
  • Monthly service charge can be waived by maintaining a $5,000 minimum balance or receiving statements electronically

Overdraft Coverage

Life Happens! First Western Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.Click here for more information.

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.

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 8/30/16. 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 – 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.