Earn First Bank promotions, bonuses, and offers here.
Update 5/18/26: There’s currently a $100 up to $500 checking bonus valid through 6/30/26.
About First Bank Promotions
First Bank is headquartered in Creve Coeur, MO. It was established in 1906 and has grown to have 926 employees at 87 locations as of December 2020.
I’ll review the offers below.
First Bank Up to $500 Checking Bonus
- What you’ll get: Up to $500 bonus
- Account Type: Checking Account
- Availability: CA, IL, KS, MO (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: None
- Monthly Fees: $5-$25, avoidable
- Early Account Termination Fee: $25, 180 days
- Household Limit: None listed
(Expires 06/30/2026)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($425 bonus) |
| Bank of America ($500 bonus offer) | U.S. Bank Smartly® Checking ($450 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new Icon, Inspire, or Imagine Checking account and use Promo Code SWITCH2FB.
- Ensure that Direct Deposits totaling the amounts below post to your account within 60 days of account opening:
- Icon Checking $500 Bonus: Total of $5,000 or more
- Inspire Checking $300 Bonus: Total of $500 or more
- Imagine Checking $100 Bonus: Total of $300 or more
- Enroll in eBanking within 60 days of account opening.
- Make 10 or more debit card purchases within 90 days of account opening.
- Important Information For Bonus Offer: Limited time offer. Bonus Offer is available on a new consumer checking relationship (meaning the person opening the account as primary owner has not been an owner of a First Bank consumer checking account in the 6 months prior to the account opening date). You must use the Promo Code SWITCH2FB when you open an account in a First Bank branch or apply online. Terms and conditions apply, and new account applications are subject to review and approval. Bonus will be reported as interest to the IRS. First Bank reserves the right to determine eligibility for the Bonus Offer, and offer may be changed or discontinued at any time without notice at First Bank’s sole discretion. Only one Bonus Offer per person, and it cannot be combined with any other offer. Bonus Offer is defined as the $500 Bonus, the $300 Bonus, and the $100 Bonus described below. If the 60th or 90th calendar day after account opening falls on a weekend or a holiday, then the business day before the weekend or holiday will be used for the Bonus requirements. Bonus Offer is available through June 30, 2026.
- Requirements for the $500 Bonus: 1) Open an Icon Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Icon Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Icon Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $5,000 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Icon Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Icon Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Icon Checking account must be open and have a positive balance in order to receive the $500 Bonus. If all of the Bonus requirements have been met, the $500 Bonus will be credited to the Icon Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
- Requirements for the $300 Bonus: 1) Open an Inspire Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Inspire Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Inspire Checking account in-branch or online. 2) The account must have a minimum opening deposit of $100. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $500 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Inspire Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Inspire Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Inspire Checking account must be open and have a positive balance in order to receive the $300 Bonus. If all of the Bonus requirements have been met, the $300 Bonus will be credited to the Inspire Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
- Requirements for the $100 Bonus: 1) Open an Imagine Checking account in-branch and request to have the Promo Code SWITCH2FB added to your new account, or apply for an Imagine Checking account online and enter the Promo Code SWITCH2FB before you submit your application. The Promo Code is not automatically applied by First Bank when opening an Imagine Checking account in-branch or online. 2) The account must have a minimum opening deposit of $25. 3) On or before the 60th calendar day after account opening, the account must have Direct Deposits totaling $300 or more post to the account. Direct Deposit includes Automated Clearing House (ACH) and Real-Time Payments (RTP) credits. 4) On or before the 60th calendar day after account opening, at least one of the account owners must be enrolled in First Bank eBanking. 5) At least one of the account owners must have a First Bank Debit Mastercard® linked to the Imagine Checking account and make 10 or more qualifying purchases with one debit card. Qualifying purchases include debit purchases that post and settle to the Imagine Checking account on or before the 90th calendar day after account opening, which includes online purchases, phone or mail-order purchases, in-person purchases, and debit card transactions (including recurring debit card transactions) categorized by the merchant as bill payments. Purchase refunds/reversals and ATM transactions do not qualify. Transactions on separate cards tied to a single checking account will not be combined. 6) The Imagine Checking account must be open and have a positive balance in order to receive the $100 Bonus. If all of the Bonus requirements have been met, the $100 Bonus will be credited to the Imagine Checking account within 30 calendar days after the 90-calendar day anniversary of the account.
How To Waive Monthly Fees
- Icon Checking: $25 monthly fee. During a monthly analysis/statement period, avoid the $25.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $5,000.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $5,000.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $50,000.00 or more (includes consumer and non-consumer accounts).
- Inspire Checking: $10 monthly fee. During a monthly analysis/statement period, avoid the $10.00 Monthly Maintenance Fee by meeting one of these requirements: (1) Direct Deposits totaling $500.00 or more post to your account AND your account had an Average Ledger Balance cycle-to-date of $500.00 or more; OR (2) You have eligible related deposit and loan accounts, and the combined balances from the related deposit and loan accounts (along with this account) total $15,000.00 or more (includes consumer and non-consumer accounts).
- Imagine Checking: $5 monthly fee. During a monthly analysis/statement period, a $5.00 Monthly Maintenance Fee is assessed; however, there is no fee if the primary owner is under 25 years of age. A primary owner that is age 13 to 17 must have parent or legal guardian as a secondary owner.
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Bottom Line
Through a wide range of features and accounts, you are able to better your financial experience. If you are in California, Illinois, or Missouri, visit your local First Bank for more information!
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Definitely check out our list below as well as our list of best bank offers for more promotions!
*Compare the latest First Bank Promotions to other bank bonuses from Citi, Huntington, HSBC, Chase, TD, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!*
*Check back often for the latest First Bank promotions, bonuses, and offers!
Chex Systems. Picky.