--- title: 1FBUSA - Community Banking - Checking & Savings description: 1st Financial Bank USA Community Bank offers a variety of checking and savings accounts to meet your everyday and future needs. image: https://www.1fbusa.com/hubfs/Bank%20Site/checking_savings_banner.jpg --- # Checking & Savings Find accounts to fit the everyday and future needs of you and yours ## Which type of account are you looking for? ### Checking We offer checking accounts with Free Online Banking, [Remote Deposit Capture](https://www.1fbusa.com/banking/checking-and-savings#), [Bill Pay](https://www.1fbusa.com/banking/checking-and-savings#), and more. Students who are 23 or younger and seniors over 60 receive additional benefits. [Compare Checking Accounts](https://www.1fbusa.com/banking/checking-and-savings#) ### Savings & Money Market We offer savings and money market savings accounts with Earned Interest, Free Online Banking, [Remote Deposit Capture](https://www.1fbusa.com/banking/checking-and-savings#), E-Statements, Auto Transfers, and more. ### Certificates of Deposit CDs are available to consumers and businesses with terms from 90 days up to 5 years at fixed competitive rates. [Contact Us](https://www.1fbusa.com/banking/contact?hsLang=en) ### Individual Retirement Traditional, SEP, and Roth IRAs are available. [Contact Us](https://www.1fbusa.com/banking/contact?hsLang=en) ### Take us with you Download the 1FB Community Banking mobile app. [![Download on the App Store](https://www.1fbusa.com/hubfs/Bank%20Site/appStoreBadge_apple.png)](https://apps.apple.com/us/app/1fb-community-banking/id1494961544?ls=1) [![Get it on Google Play](https://www.1fbusa.com/hubfs/Bank%20Site/appStoreBadge_google.png)](https://play.google.com/store/apps/details?id=com.firstfbusa.grip) ![Member FDIC](https://www.1fbusa.com/hubfs/Bank%20Site/fdic_equal_housing_lender.png) © 2001-2026 1st Financial Bank USA. **Download the 1FBUSA Community Banking Mobile App today!** [![](https://www.1fbusa.com/hs-fs/hubfs/Bank%20Site/appStoreBadge_apple.png?width=150&name=appStoreBadge_apple.png) ](https://apps.apple.com/us/app/1fb-community-banking/id1494961544?ls=1) [![](https://www.1fbusa.com/hs-fs/hubfs/Bank%20Site/appStoreBadge_google.png?width=150&name=appStoreBadge_google.png) ](https://play.google.com/store/apps/details?id=com.firstfbusa.grip) × ## Compare 1st Financial Bank USA Checking Accounts |   | Standard Checking | NOW Checking | Student Checking | Senior Checking | | --- | --- | --- | --- | --- | | Minimum Opening Balance | $100 | $1,000 | $100 | $100 | | Earns Interest |   | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) |   |   | | Online Banking | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | | ATM/Debit Card | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | | Remote Deposit Capture | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | | No Minimum Balance Fees |   |   | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | | Auto Transfers | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ![](https://www.1fbusa.com/hubfs/Bank%20Site/check_mark.jpg) | ## Do you have questions or want to open an account? [Contact Us](https://www.1fbusa.com/banking/contact?hsLang=en) × ## Remote Deposit Capture Remote Deposit Capture will allow you to take a picture of a check with any mobile device and deposit it directly to your 1st Financial Bank USA account. - Enroll through our mobile app. - Choose your checking or savings accounts for the deposit. - Save a trip to the bank to deposit a check. - It's fast, easy, and secure. × ## Bill Pay Bill Pay will allow you to pay your bills from your checking account all in one place. - Enroll through online banking to begin using Bill Pay Online or through your Mobile App. - Send Gift Payments. - Send Person to Person Payments through email, text or direct deposit. - Pay all of your bills online or through the mobile app. - Schedule payments. × ## Community Bank ATMs | Sparky's Cafe 117 North Main St. Isabel, SD 57633 Farmers Union Oil Co. 507 W 1st St. Faith, SD 57626 Farmers Union Oil Co. Hwy 212 Dupree, SD 57623 | 1st Financial Bank USA 331 Dakota Dunes Blvd Dakota Dunes, SD 57049 Graham's Grill and Pub 201 Tower Road Dakota Dunes, SD 57049 Miller Liquor 101 Military Road North Sioux City, SD 57049 | | --- | --- |   × ## External Link Warning By clicking this link, you will leave 1FBUSA and enter another site that is not controlled by us. We are not responsible for the privacy practices and security of that site. You are encouraged to review the privacy policy of this other site before providing any personal information. Are you sure you want to leave? × ## External Link Warning By clicking this link, you will leave 1FBUSA and enter another site that is not controlled by us. We are not responsible for the privacy practices and security of that site. You are encouraged to review the privacy policy of this other site before providing any personal information. Are you sure you want to leave?