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First Bank of Utica

Checking Accounts

Non-Interest Bearing Accounts

Simple Checking

✔ $100 minimum to open
✔ No Interest

This is our E-Statement Account.

There are no minimum balance requirements.

The only requirement is eStatements.

Details

Student Checking

✔ No Minimum to Open
✔ No Interest

This is our Account for Students up to 24 years old.

There are no minimum balance requirements.

Details

62+ Checking

✔ No Minimum to Open
✔ No Interest

This is our Senior Account for those 62 years or older.

There are no minimum balance requirements.

Details

Regular Checking

✔ $100 Minimum to Open
✔ No Interest

This is our Classic Account.

There will be no service charge when you maintain a $500 daily minimum balance.

If your minimum balance falls below that, the following schedule will apply:

$300-$499… $3.00
$150-$299… $4.00
$0-$149… $5.00

Details

Interest Bearing Accounts

NOW Checking

✔ $700 Minimum to Open
✔ Interest Bearing

A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $700.00.


NOW Accounts have Eligibility Requirements.

Contact the bank to see if you are eligible.

Details

Super NOW Checking

✔ $1,000 Minimum to Open
✔ Interest Bearing

A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $700.00.


NOW Accounts have Eligibility Requirements.

Contact the bank to see if you are eligible.

Details

Money Market

✔ $1,000 Minimum to Open
✔ Interest Bearing

A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $1,000.00.

There is an excess withdrawal fee of $5 per debit for more than 6 debits per month.


Transaction Limitations:

Your account is limited to six pre-authorized debits during each monthly statement cycle. Preauthorized debits include transfers authorized by telephone, and transfers and payments authorized by agreement.

Details

Business Checking

✔ $1000 Minimum to Open
✔ Interest Bearing

A service charge fee of $7.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $700.00.

Details


What is needed to open an account?

Existing Customers

New Customers (Individuals 16+)

New Customers (Individuals under 16)