banking with peace of mind

select the right account for you and then sign up online

Effective Date: 06/24/2024

FirstOak Checking

simple and easy to get started

• electronic statements
• unlimited debit card use
• unlimited check writing
• free online banking
• no monthly fee

FirstOak Rewards

More rewards

• minimal opening balance
• electronic or mailed statements
• unlimited check writing & ATM use
• ID Protect, accidental death, cell phone coverage, roadside assistance

FirstOak Rewards Plus

Our most rewarding account

• Your money earns interest
• minimal opening balance
• electronic or mailed statements
• ID Protect, accidental death, cell phone coverage, roadside assistance

 

checking comparison

 
 

FirstOak Checking

FirstOak Rewards

FirstOak Rewards Plus

Minimum Deposit $100 $100 $100
Free Online Mobile Banking Yes Yes Yes
Free Mobile Deposit Yes Yes Yes
Free Debit Card Yes Yes Yes
Earns Interest* No No Yes
Free Statement E-Statement Only E-Statement or Paper E-Statement or Paper
Monthly Service Fee None $5 ($3 for 60+)
Waived with $2500 balance
$6 ($4 for 60+)
Waived with $2500 balance
ID Protect with:      
Identity Theft Resolution No Yes Yes
Identity Theft Expense Reimbursement No $5,000 $10,000
Identity Monitoring No Yes Yes
Single Bureau Credit File Monitoring No Yes Yes
Credit Score Tracker No Yes Yes
Debit and credit card registration No Yes Yes
Online identity theft news center No Yes Yes
Financial Wellness 360 No Yes Yes
Accidental Death and Dismemberment No $5,000 $10,000
Cell Phone Protection No $400 / 4 phone lines $600 / 4 phone lines
Roadside Assistance No Yes yes

*The information above is accurate as of the effective date. Interest Rates may change after an account is opened and these rates will be posted as of their effective date. Maintenance and / or activity fees may reduce earnings. APY = Annual Percentage Yield The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest or any withdrawal may reduce earnings and a penalty may be applied on some accounts for early withdrawals. A minimum balance is required on all checking accounts (except electronic and copper accounts), savings (except Santa Savers), all CD, IRA and money market accounts. Interest Rates subject to change daily.

Contact a FirstOak Staff member for specific account information.