• 25/06/2021


1st Convenience Bank offers customers the choice of four checking accounts with services to meet all of your day-to-day needs.

1st Convenience Bank opened in 1901 and has since dedicated itself to serving its communities. It offers a range of excellent banking solutions for a variety of needs together with attentive customer service. The bank operates in Texas, Arizona, and New Mexico, and has over 300 branches and 400 ATMs, supported by more than 3,200 banking professionals.

One of the best features of 1st Convenience Bank is that there is no credit check when opening a bank account and they will not look at your ChexSystems records. ChexSystems is a credit reporting and check verification agency that will have listed you if you have prior banking infringements, however minor they may be. Thanks to this, choosing 1st Convenience Bank means that you will not be turned down due to a ChexSystems record or if you have a bad credit history.

Account Features and Fees

At 1st Convenience Bank, there are four checking accounts available, Power Checking, Checking with Interest, President Select High Yield Checking, and an eAccount.

The Power Checking account is the most popular account and it is ideal for everyday banking needs. It comes with free online services, a MasterCard debit card, free transactions at Gold Key ATMs, and more. You need a deposit of just $1 to open an account in person or $20 to open one online. There is a monthly maintenance fee of $12 but this is removed if you are 55 or older, if you have a balance of $100 or more, if you have a monthly recurring direct deposit of $100 or more, or if you complete at least eight debit card purchase per month.

The Checking with Interest account is designed for those looking to earn interest on their balance while enjoying all the advantages of a checking account. The account has all the benefits of the Power Checking account, as well as unlimited check writing for added convenience. You need a deposit of at least $1 to open an account and must maintain a balance of at least $500 in order to avoid the minimum balance fee of $12.

The President Select High Yield Checking Account is designed for those who want to get higher competitive rates for higher balances. It too has a minimum deposit of $1; however, you will need to maintain a balance of at least $10,000 to avoid the minimum balance fee of $20.

The eAccount is an alternative to traditional checking accounts, it does not offer checks or overdrafts. The account is designed for electronic transactions only, but you can still use your MasterCard debit card. It has a monthly maintenance fee of $7 that is reduced to $5 if you opt for e-statements.

Additional Services

  • Overdraft Services
  • Savings Accounts
  • Credit Cards
  • Gift Cards
  • Mobile Wallet
  • Personal Loans
  • Mortgages
  • Insurance


If you live in the right geographical area then 1st Convenience Bank truly lives up to its name. It offers the bank accounts you need for easy day-to-day banking complete with a range of helpful services. Thanks to this, 1st Convenience Bank is one of the best banks for those looking to avoids ChexSystems.

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