HomePersonalBusinessLoansServices » Security » About » Contact » Online Banking Login Login Forgot Username | Password | New User Personal Accounts Welcome to personal banking at its best. Personal banking, like life, should be simple and worry-free. Everyone’s journey is different, but with the right tools, we can all get to where we want to be. We look forward to working with you along the way. Checking Accounts In a perfect world, what do you want your checking account to do? Offer unlimited check writing? Pay interest? Include overdraft protection? Have minimal or no fees? Welcome to 1st ADVANTAGE Bank’s perfect world. We listened and have designed several checking plans to meet those and other needs. ADVANTAGE Senior ADVANTAGE Free Grow with us checking Misc. Fees ADVANTAGE Checking You can enjoy a full-featured checking account designed for the customer looking for a checking account that earns interest at an exceptional rate. This account has many extra benefits that are described on the ADVANTAGE Accounts tab. Minimum to open $2,500 Interest earned on daily collected balances of $2,500 or more $25.00 monthly service charge if average daily balance for the statement cycle falls below $2,500 Free Specialty checks Higher rates on Money Market, Savings, Time Deposits and IRAs CLICK HERE TO OPEN YOUR ACCOUNT TODAY! You can have access to all of the following ADVANTAGES when you open a checking account with us: Free Bank-by-Mail service Free Visa® ATM/Debit Card No bank fees for using any ATM (however, other banks may assess a surcharge fee) No bank fees OR surcharge fees at ATMs in the U.S. (automatic reimbursement of ATM surcharge fees not to exceed $20 per month) Free Online Banking Free Bill Pay Service Free Telephone Banking (ADVANTAGE24) Free automatic transfer from another customer account Free eStatements (electronic version of account statement) Free document images of items posted to the account Free combined statements (if you have more than one account with us) If the account becomes dormant (547 days without activity) and the ledger balance falls below $100.00, the account will be charged a monthly dormant account fee of $3.00 See Miscellaneous Fees schedule for fees that may apply as incurred (except for accounts subject to account analysis) Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts Check Re-orders RE-ORDER CHECKS Savings Accounts There is no better time to start saving for tomorrow than now! 1st ADVANTAGE Bank is here to get you started. No matter what drives you to save money, we have many savings options to help you reach your goals. ADVANTAGE Regular Piggy Bank ADVANTAGE Savings Account can only be opened if customer has an ADVANTAGE Checking Account $1,000.00 minimum to open Available to consumers only No monthly service charges Interest rate for each tier is higher than the ADVANTAGE Money Market Account If account is closed, then accrued interest is not paid Interest is compounded using the daily balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) Interest is compounded quarterly and added to the balance of the account on the last day of the cycle (quarterly) If the collected balance falls below $1,000 on any day, interest is not earned for that day The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day: $1,000.00 to $9,999.99 $10,000.00 to $24,999.99 $25,000.00 to $49,999.99 $50,000.00 to $99,999.99 $100,000.00 to $249,999.99 $250,000.00 and up The interest rate on this account may change at any time after the account is opened By law, this account is allowed only six (6) pre-authorized transfers or withdrawals per month CLICK HERE TO OPEN YOUR ACCOUNT TODAY! You can have access to all of the following ADVANTAGES when you open a savings account with us: Free Bank-by-Mail Service Free Online Banking Free Telephone Banking (ADVANTAGE24) Free automatic transfer from another customer account Free eStatements (electronic version of account statement) Free document images of items posted to the account If the account becomes dormant (547 days without activity) and the ledger balance falls below $50, the account will be charged a monthly dormant account fee of $3.00 Money Market Accounts Do you need a safety net for your finances? It’s not too late to save for your future. 1st Advantage Bank is here to help, offering competitive money market accounts which will help you get on the road to financial success plus giving you accessibility to those funds for the little bumps along the way. ADVANTAGE Money Market Personal Money Market ADVANTAGE Money Market Account can only be opened if customer has an ADVANTAGE Checking Account $1,000.00 minimum to open No monthly service charge The account will be charged $5.00 per check in excess of three (3) per statement cycle Offer Free Deluxe money market checks (40 per pack) and all re-orders are Free Interest rate for each tier is higher than the Personal Money Market Account If account is closed, then accrued interest is not paid Images included with monthly account statement Interest is calculated using the daily collected balance method, and interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks) If the collected balance falls below $1,000 on any day, interest is not earned for that day The account must maintain a specific collected balance in order to obtain the APY offered for each of the following interest rate tiers. On any day the balance qualifies for a respective tier, interest will be earned at the respective APY on the entire collected balance for that day: $1,000.00 to $9,999.99 $10,000.00 to $24,999.99 $25,000.00 to $49,999.99 $50,000.00 to $99,999.99 $100,000.00 to $249,999.99 $250,000.00 and up Interest is compounded monthly and added to the balance of the account on the last day of the statement cycle (monthly) The interest rate on this account may change at any time after the account is opened This account is allowed only six (6) pre-authorized transfers or withdrawals per month or a combination of such transfers and withdrawals. CLICK HERE TO OPEN YOUR ACCOUNT TODAY! You can have access to all of the following ADVANTAGES when you open a Money Market account with us: Free Bank-by-Mail Service Free Online Banking Free Telephone Banking (ADVANTAGE24) Free automatic transfer from another customer account Free eStatements (electronic version of account statement) Free document images of items posted to the account If the account becomes dormant (547 days without activity) and the ledger balance falls below $100, the account will be charged a monthly dormant account fee of $3.00 Customer may apply for a Cash Reserve Loan that is tied to the deposit account to protect against overdrafts Certificates of Deposit (CDs) Maybe you’re saving for a rainy day, a down payment on a home, or your retirement nest egg. Whatever your savings goals are, we are here to help your realize them through our Certificates of Deposits. Brighter tomorrows begin today – with 1st ADVANTAGE Bank. ADVANTAGE CDs CDs ADVANTAGE Certificates of Deposit (CDs) If customer has opened an ADVANTAGE Checking Account, CD interest rate is Bumped Up ¼ of a point (.25%) If customer has opened an ADVANTAGE Business Checking Account, CD interest rate is Bumped Up ¼ of a point (.25%) A margin code (01) will be added to CD on system (to add .25% to effective interest rate) If ADVANTAGE Checking account is closed, the margin code will be removed from CD If ADVANTAGE Business Checking account is closed, the margin code will be removed from CD CLICK HERE TO OPEN YOUR ACCOUNT TODAY! Individual Retirement Accounts (IRAs) Whether you are just starting to build your nest egg or you have reached your golden years, 1st ADVANTAGE Bank can help your realize your savings goals through our Individual Retirement Accounts (IRAs). ADVANTAGE IRAs IRAs ADVANTAGE Individual Retirement Accounts (IRAs) If customer has opened an ADVANTAGE Checking Account, IRA/CD interest rate is Bumped Up ¼ of a point (.25%) A margin code (01) will be added to IRA/CD on system (to add .25% to effective interest rate) If ADVANTAGE Checking Account is closed, the margin code will be removed from IRA/CD VIEW CURRENT RATES ADVANTAGE24 TF: 1 (800) 303-3501 MAILING ADDRESS 240 Salt Lick Road St. Peters, MO 63376 Located at I-70 & Hwy 79 P: (636) 970-0440 F: (636) 970-0308 IMPORTANT INFORMATION For customer service during banking hours, please call (636) 970-0440. To report loss of card during non-banking hours, call 1 (800) 264-4274.. © 2021 1st Advantage Bank. All rights reserved. | Sitemap NMLS ID# 810899