First Bank of Utica
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Checking Accounts

Non-Interest Bearing Accounts

Simple Checking

No 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

$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.

Details


What is needed to open an account?

Existing Customers

New Customers

New Customers