Simple and secure online savings accounts

Up to 4.75% APY

Envision Savings

Maximized Returns, Flexible Access

High-Yield Savings View Disclosure

Up to 3.70% APY

High-Yield CDs

Guaranteed Returns, Diverse Terms

High-Yield CDs View Disclosure

Peak Bank is a division of Idaho First Bank

Peak Bank has the backing of Idaho First Bank, a respected and successful bank with nearly 20 years of service throughout Idaho and Central Oregon. Idaho First Bank recognized there was a market for those who only want to do their banking online.

“Easy online process and even had a quick interaction with customer service over chat! Bank is backed and owned by a larger financial institution, which was added comfort. Already took out another CD in addition to my savings account!”

emh45 | July 18, 2024

““I was able to open a HYSA in less than five minutes, funded it, and easily got into my account. Seamless and strong!”

EHY19821 | July 17, 2024

“Really liked how easy it was to apply and fund my account. Just took a day or two. The rate is pretty hard to beat, and the mobile app is easy to use. Like Peak a lot so far!”

jakejake | July 17, 2024

Trust and Security You Can Count On. Backed by Idaho First Bank.

At Peak Bank, we understand that trust is crucial when it comes to your finances. As a division of Idaho First Bank, we bring you the reliability and security of a bank with a strong, proven track record. You can rest assured that your money is in safe hands with us.

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Banking at the Highest Level

At Peak Bank, we believe your money should work as hard as you do. Born from the desire to redefine banking, Peak is your passport to a world of financial empowerment and future success.

With a focus on simplicity, security, and stellar returns, we offer two exceptional products - High-Yield Savings and Certificates of Deposit (CDs).

Open an Account Now

Why Peak Bank?

Competitive Rates: Watch your savings ascend with our high-yield products, ensuring you get the most out of every dollar.
Trusted Security: Your peace of mind is our priority. Peak Bank employs state-of-the-art security measures, ensuring your financial data is safeguarded.
Customer-Centric Approach: Our team is dedicated to providing personalized support, ensuring your experience is as rewarding as your returns.

About Peak Bank

Your Money is Safe with Peak Bank

Discover how Peak Bank, a new brand under Idaho First Bank, ensures the safety and security of your deposits with FDIC insurance and industry-leading protections. Enjoy market-leading APYs with peace of mind—your financial future is in safe hands.

Discover the 50/30/20 budgeting rule

A simple, effective strategy to balance spending, saving, and debt repayment for your financial success and security.

5 Key Trends Shaping the Future of Digital Banking

From the convenience of mobile banking to the introduction of AI in financial services, here are five key trends shaping the future of digital banking.

Financial Blog

Banking Made Effortless

Join the digital banking revolution with Peak Bank. Experience the perks of online banking:

24/7 Access: Manage your finances anytime, anywhere.
User-Friendly Interface: Enjoy a seamless and intuitive digital banking platform.
No Branch Visits: Skip the queues, paperwork, and long waits. Bank on your terms, effortlessly.

We're here for you! Have questions or need assistance? Reach out to our friendly support team.

Frequently Asked Questions

What does a “division of Idaho First Bank” mean?

Peak Bank has the backing of a respected and successful bank located in Idaho, known as Idaho First Bank. With nearly 20 years of service throughout the Idaho and Central Oregon regions, Idaho First Bank recognized there was a market that is ideal for those who only want to do their banking online. Once you become a customer of Peak Bank, you will access your account through Idaho First Bank’s online banking site or mobile app. Rest assured, we are owned and operated by the same successful group of bankers that have built a strong financial organization since 2005.

What types of consumer accounts and services does Peak Bank offer?

We offer individual or joint High Yield Savings and CD accounts for consumers aged 18 and over.

Does Peak Bank offer business accounts or services?

No. We currently offer consumer accounts and services only.

Does Peak Bank offer wire transfer services?

Yes. We currently offer incoming wire transfer services only.

What should I do if I notice unauthorized transactions or suspect fraud?

Contact Peak Bank immediately at 866-484-5705 if you notice any suspicious activity. We have protocols in place to secure your accounts and investigate any unauthorized transactions

How do I setup online and mobile banking?

Simply click the “Login” link on our website or download the Idaho First Bank mobile app, click “Enroll now” and follow the on-screen prompts. You’ll need your account number and other personal information to complete enrollment.

How do I download the mobile banking app?

Peak Bank is a division of Idaho First Bank, so you can easily access the app by searching “Idaho First Bank” in the Apple App Store or Google Play Store then click "Download" or "Install."

Who do I contact if I have additional questions or trouble using online or mobile banking?

Our Customer Service team is here to help. You can contact us by calling 866-484-5705, email us at customerservice@peak.bank, or message us through online or mobile banking by clicking on “Support” then select “Send us a message” to start a secure chat.

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HYS disclosure details:

Annual percentage yield (APY) accurate as of publication date and subject to change at any time without notice, as determined by Peak Bank, a division of Idaho First Bank. Minimum amount to open a Peak Bank Envision Savings Account is $100. Account opening requires funding of at least $100 at time of account opening, with opening funds subject to a 5-business day holding period at discretion of Peak Bank. Fees may reduce earnings on account. Advertised APY applies to balances less than $10,000,000.

CD disclosure details:

Annual percentage yield (APY) will be paid until maturity. Certificates will automatically renew at maturity. Interest for that renewal term will be paid at the APY then in effect at the Bank for similar accounts. Fees may reduce earnings. The advertised APY is accurate as of today’s date.