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Get more from your money with Thrive Checking

Enjoy cash back rewards, no fees, and digital tools built for your lifestyle.

Open Thrive Checking
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Rewards

Earn cashback on everyday purchases.

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No Fees

No monthly fees or minimum balance requirements.

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Free Access

Free debit card and ATM transactions nationwide.

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Digital Tools

Manage your account anywhere with advanced mobile and online banking tools.

Rewards Explained

Details on Rewards

With Thrive Checking, every purchase can earn you rewards points. Use your debit card for groceries, dining, online shopping, and more to maximize your points. Redeem your points in Online Banking for gift cards, electronics, travel, and more.

How it Works

Automatically receive points at the end of your monthly statement and redeem them anytime in Online Banking.

“I was able to redeem my points for a gift card and take my family out to dinner—it was so easy!”

Sarah Mitchell

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Thrive Checking, Member

How It Works

  • 1

    Apply

    Open your account online with a minimum deposit of $25.

  • 2

    Get Approved

    Enjoy instant access to your account with no waiting period.

  • 3

    Ready to Use

    Start using your Thrive Checking account to earn rewards and manage your finances.

What Our Members Say

Candace was fantastic! She helped us with checking & savings accounts. we also have our son's vehicle with AmFirst! very satisfied with their service.
Anthony Stokes
Anne was great and helped me set my checking account and everything back up after I had some health issues! Have been banking with this bank for 10 plus years and will continue to stay with this bank because they are always so nice and helpful!!
Allison Hogeland
Ms. Alison Clark has been a tremendous help with getting my online banking and checking account set up.. thanks to her everything was made so easy.
Tiffany Williams

Frequently Asked Questions

  • Use your debit card for daily transactions and earn cashback automatically deposited into your account.

  • Yes, Thrive Checking has no monthly maintenance fees or minimum balance requirements.

  • Our advanced mobile and online platforms allow you to manage funds, pay bills, and transfer money effortlessly.

Get Started Today

Don't miss out on the exclusive rewards and benefits that come with Thrive Checking. Open an account in less than 5 minutes.

Start Earning Rewards Now
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  • Courtesy Pay:
    Courtesy pay results in a fee for paying everyday debit card transactions of $30 per presentment. The time period by which the member must repay or cover any overdraft is within 5 business days. We will not overdraw an account more than $500 using courtesy pay. We may overdraft at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

Thrive Checking - Features

Experience More with AmFirst Thrive™ Checking

Enjoy the flexibility and benefits you deserve with AmFirst Thrive™ Checking.

  • Free Visa® Debit Card that earns rewards with every purchase
  • Unlimited Check Writing and free checks* (shipping may apply)
  • Online & Mobile Banking Access to manage your money anywhere, anytime*
  • Overdraft Protection for added peace of mind*
  • Complimentary Notary Service
  • eStatements with Check Images
  • And so much more!

*Available to qualifying members, subject to credit approval.

Courtesy Pay Disclosures:

Courtesy pay results in a fee for paying everyday debit card transactions of $30 per presentment. The time period by which the member must repay or cover any overdraft is within 5 business days. We will not overdraw an account more than $500 using courtesy pay. We may overdraft at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

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Rates effective as of: December 9, 2025

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Are you a Member?

Please use your online banking credentials to begin the application process.

Not a member yet?

It’s easy to become a member and begin to take advantage of our wonderful products,  services; as well as the other benefits we offer.

You will need the following information in order to complete the application:

  • Government Issue ID/ drivers license/ State ID or passport with current address
  • Current physical and mailing address
  • Social Security Number
  • Date of Birth

 

Important Information about Procedures for Opening a New Account

To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, and record information that identifies each person who opens an account.

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Online Banking Help

 

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Make a Payment

Please click the link below to make a payment.

MAKE A PAYMENT

 

New fee for loan payments:

Starting on January 1, 2023, there will be an $8.00 transaction fee for loan payments when members pay with a debit card.

If you are making a loan payment using your checking account and routing number (ACH) there will continue to be no transaction fee. Also, there will continue to be no transaction fee if you are using the transfer function in Online Banking to make a payment.

For questions, please give us a call at 205-320-4000.

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