Bank First

Bank First, a community bank headquartered in Manitowoc (Wisconsin)

Bank First is a financial institution that defines itself as a relationship-based community bank. Its headquarters is in Manitowoc, Wisconsin, and it has grown by opening new branches and forming partnerships to serve customers in Wisconsin and the Stateline region of Illinois. The institution operates in 38 locations and combines modern banking solutions with personal service and local expertise.

Financial services for individuals and businesses

The bank's offerings are organized into several areas. In the personal segment, it includes checking accounts, savings accounts, health savings accounts, money market accounts, and certificates of deposit. In financing, it offers mortgages, home equity lines of credit, construction loans, specialty loan programs, consumer loans, student loan refinancing, and loans for autos, recreational vehicles, and boats, as well as for hunting and recreational land. It also offers credit cards and specialty services such as student banking, military and veteran banking, gift and reloadable cards, safe deposit boxes, and foreign currency exchange.

For businesses, the catalog includes checking accounts, savings accounts, certificates of deposit, and money market accounts, as well as loans, business financing, municipal financing, SBA loans, and business credit cards. The agribusiness area has agricultural loans, agricultural deposit accounts, and a specialized team. Treasury management covers account management, moving and receiving money, fraud prevention tools, Positive Pay, ACH and wire management, and remote deposit capture (RDC).

Wealth management and investment services

The Trust & Wealth area offers wealth management, account access, trust services, portfolio management, legacy planning, and market review. It also includes brokerage services. The institution has a dedicated team for this division.

Digital banking and service channels

Bank First offers digital banking through online and mobile banking, bill pay, Zelle, financial manager, credit score, mobile deposit, cards, and Telebanc. The bank's website states that the digital banking experience remains unchanged after the website refresh. In terms of security, it offers a fraud center with educational materials, prevention tools, and a channel to report fraud.

Geographic presence and growth

The institution is headquartered in Manitowoc, Wisconsin, and has a presence in Wisconsin and the Stateline region of Illinois. The site announces the addition of Peoples State Bank to Bank First on the weekend of December 4, with a dedicated resource center about the merger. It also mentions that new and renovated branches are designed with local contractors and incorporate artwork and design elements from each community. The company cites community events such as a free shred event at the Fond du Lac and Manitowoc (Custer St) branches on Saturday, October 3, from 9:00 a.m. to 12:00 p.m.

Corporate data and recognition

Bank First presents itself as an FDIC-insured institution backed by the full faith and credit of the U.S. Government. It is an Equal Housing Lender and its NMLS number is 433854. The routing number is 075901134. The institution reports a Net Promoter Score (NPS) of 78, compared to an average of 44 in financial services and 30 in banking, according to the cited source. In 2025, Bank First contributed more than $972,400 to 465 local events and non-profit organizations, and its employees donated more than 8,670 hours of volunteering. The bank also publishes news about hires, such as Melissa Townsend as Retail Banking Officer and Rich Hildebrandt as Vice President - Business Banking, and about the increase of its prime rate to 7.00% effective September 17, 2026.