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First Checking Account

It's the place to start for basic checking.

Fewer fees and zero hassle

Sometimes it's best to keep it simple. When you need a straight-forward checking account that gives you what you need and gets out of your way, consider First Checking.

  • Open with a $25 minimum deposit
  • Unlimited check-writing, ATM1 and debit card transactions
  • Includes a VISA® debit card
  • Manage money through online banking, mobile banking2, online bill pay3 and First Bank by Phone

Monthly Service Charge

There is no monthly service charge.

Enroll in e-Statements to avoid a $3.00 monthly paper statement fee.

For our customers in Louisiana, Mississippi and Florida, First Checking is their go-to checking account for basic needs.


Online Payment Options

With FBT, you have several ways to send and receive money, transfer money between financial institutions, and pay your bills...all from your FBT account.

Bill Pay

FBT's Personal Bill Pay is a free service3 for our checking account customers. Online Bill Pay allows you to pay your bills easily from your Online Banking or Mobile Banking account. It's fast, secure, and a great way to schedule, pay, and track your bills.


TransferNow is a quick and convenient way to immediately transfer money back and forth between your FBT account and accounts you may hold at other financial institutions. With TransferNow, money is available to use virtually with no waiting period.


Zelle is a fast, safe and easy way to send money directly between bank accounts in the U.S., typically within minutes4. With just an email address or U.S. mobile phone number, you can send money from your account through FBT Online Banking or Mobile Banking to people you trust, regardless of where they bank5,6.


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 FBT offers totally free access to our network of ATMs in New Orleans, Baton Rouge, Lafayette, Mississippi, and Florida. Find an ATM. FBT participates in the Community Cash network of ATMs which offer transactions at no fee.  Find a Community Cash ATM.

2 Mobile Banking is offered at no charge.

3 Online Bill Pay is provided at no additional charge unless you choose expedited processing which is billed at $14.95 per transaction. Please consult your enrollment agreement or an account representative about charges that may apply for special payment processing.

4 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

5 Must have a bank account in the U.S. to use Zelle.

6 Mobile carrier fees may apply.