High Interest Checking Accounts – Wilmington, NC


You don’t stop working for your money so why should your money stop working for you? A high-interest checking account keeps your earnings coming long after you’ve put it in the bank. Wilmington, North Carolina has five First Bank locations with high-interest checking accounts to put your money to work.

Our Everywhere Plus account piles up interest with only a minimal balance requirement while our Everywhere Premium option earns interest along with giving you free membership checks and an unlimited number of withdrawals at non-First Bank ATMs with no charge from us. Both accounts are pleased to offer:

  • Free online and mobile banking
  • Free online bill pay
  • Free monthly eStatements or paper statements
  • Use of CashPoints or MoneyPass ATMs nationwide with no First Bank fees
  • Rewards benefits for registered First Bank debit cards
  • Free account alerts via phone, email or text message

Earn Interest for Your Business

First Bank’s high-interest checking accounts don’t end with our personal accounts. We make sure your business bucks are put on your work schedule to earn interest for your business as well.

Our Business Essentials Plus account earns you interest and offers all of the above features plus 24-hour telephone banking, 250 free transactions per month and up to $10,000 in cash or coin deposits at no charge.

Business Advantage Plus includes all the features of Business Essentials Plus but allows for 500 free transactions per month and up to $25,000 in free cash or coin deposits.


Account holders may avoid the Monthly Maintenance Fee by meeting any of the requirements listed in the Keep it Fee FreeTM section of the account summary table for their account type. Other account service fees may apply as described in the Account Services Fee Schedule available on our website at fees or at your local branch. Eligible personal deposits include checking, savings, Money Market, CD, or IRA. Eligible personal loans do not include residential mortgage loans. Direct deposit defined as external ACH credit. Transfers from other First Bank accounts or deposits made at a branch do not apply. A transaction is defined as any checks paid, deposits, each deposited item, ATM withdrawals, debit card transactions, online and telephone funds transfers, and ACH debits and credits.