Skip Navigation
First Reward Checking Image

First Reward Checking

First Reward Checking from Flora Bank & Trust gives you free checking, plus generous interest rates on the money in your account.


In addition to the great features of our Freedom Checking Accounts, First Reward Checking offers:

  • Free ATM withdrawals nationwide 1 (No monthly fees & no minimum balance)
  • Base rate of .15% APY 2
  • Earn Reward Rates
  • 2.03% APY 2 on balances up to $20,000
  • .35% APY 2 on balances over $20,000
  • Overdraft Privilege (ODP) (for qualified account holders)


Stop in or give us a call at (618) 662-4441 for more details and sign up today!


1 ATM refunds up to $20 per qualification cycle if requirements are met.

2  2.03% Annual Percentage yield (APY) paid on balances between one penny and $20,000, and .35% APY paid on all amounts above $20,000 each qualification cycle the minimum requirements are met. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning .15% APY; however, it will not receive ATM refunds for that time period. Rates as of November 22, 2022. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. Available to Personal Accounts only. No monthly service charge.

Member FDIC

Back to Top