We study a first-order functional language with the novel combination of the ideas of refinement type (the subset of a type to satisfy a Boolean expression) and type-test (a Boolean expression testing whether a value belongs to a type). Our core calculus can express a rich variety of typing idioms; for example, intersection, union, negation, singleton, nullable, variant, and algebraic types are all derivable. We formulate a semantics in which expressions denote terms, and types are interpreted as first-order logic formulas. Subtyping is defined as valid implication between the semantics of types. The formulas are interpreted in a specific model that we axiomatize using standard first-order theories. On this basis, we present a novel type-checking algorithm able to eliminate many dynamic tests and to detect many errors statically. The key idea is to rely on an SMT solver to compute subtyping efficiently. Moreover, interpreting types as formulas allows us to call the SMT solver at run-time to compute instances of types.