Increase Your Earnings with Our Advantage Checking Account

Are you looking for a high yielding checking account that helps your money grow faster while ensuring it remains available? We have the perfect offer for you!

For a limited time only, we're offering our Advantage Checking Account with a 3.00% Annual Percentage Yield (APY)* for a promotional period of six months, plus, an additional 0.25% APY if you have a qualifying loan relationship** with us. That’s right, you could earn 3.25% APY on your checking account balances for the first six months after opening the account.

Not only is the introductory rate a nice way to help your money grow, but our Advantage Checking Account also has some other exciting features as well:

• Maintain a $5,000 or more balance in the account each day of the statement cycle to receive a refund of the $12.95 monthly service charge AND get up to $25 in refunded ATM fees automatically per statement cycle.
• Up to $500 off closing costs for a first mortgage loan.
  • Limited to one per household, per loan application.
• Free first year rental of safe deposit box (up to $15 credit/based on availability) 

Here are the details for our Advantage Checking Account special introductory rate offer:

Accounts with a Qualifying Loan Relationship**

Average Daily Balance                                      Interest Rate                     Annual Percentage Yield (APY)

Average Daily Balance up to $25,000               3.25%                                3.25%

On Average Daily Balance over $25,000           0.01%                                3.25% - 0.42%

Accounts without a Qualifying Loan Relationship**

Average Daily Balance                                      Interest Rate                    Annual Percentage Yield (APY)

Average Daily Balance up to $25,000               3.00%                               3.00%

On Average Daily Balance over $25,000           0.01%                               3.00% - 0.38%

If you're ready to take advantage of his limited time offer, click here to open an account or stop into your local branch. If you have your online banking credentials at the ready, log in here for a more seamless experience.

* Annual Percentage Yield is accurate as of 8/1/2023. The interest rate and APY for your account depend upon the applicable tier and whether you have a qualifying loan relationship with FIBT. You will be paid the introductory rate for 6 months from the date of account opening which is known as the promotional period. After the promotional period ends the account becomes a variable rate account with the interest rates and applicable APY based on the applicable rate tier and whether you have a qualified loan relationship with us. The interest rate and APY for these tiers may change at any time after the promotional period ends. Fees may reduce the earnings on the account. Opening minimum balance of $5,000. Offer not available for public funds. Rates, terms and conditions are subject to change without notice.

** A Qualifying Loan Relationship includes a consumer installment, HELOC, First Plus Line of Credit, or closed-end consumer residential portfolio mortgage loan with First International Bank & Trust that has an outstanding principal balance of $25,000.00 or more. Click here to see the account terms and conditions.