Checking Solutions

You’re not a “One-Size-Fits-All” person, so why should your checking account be any different?

1st Credit Union offers a variety of checking account types, which we refer to as our “A La Carte” menu of solutions. Based upon a member’s individual situation, we can offer them a closely tailored solution. Our account offerings vary in the benefits they offer, as well as the level of relationship they require. Our accounts target traditional members, e-minded members, members who enjoy earning dividends, members who desire a deeper relationship with the CU, members with business needs, and senior-privileged members.

View our selection of account solutions below. If you still can’t decide, call the Credit Union or come visit us for help selecting the account that’s right for you!

 

Just Checking

Benefits:

Just Checking is our “no frills” account offering for members who don’t want to bother with minimum balances or direct deposit and write less than 25 checks per month.

  • No monthly maintenance fee.
  • No direct deposit required, but with direct deposit:

- Get a FREE box of checks at time of account opening.
– Couple direct deposit with acceptance of 1st Look online statements to get your bill pay FREE.
– Save time.
– Become eligible for additional benefits and loan APR discounts.

  • Overdraft protection from designated deposit account.
  • Convenience Pay:

- Without direct deposit: $100 limit
– With direct deposit: Eligible for $100, $500, $1,000 or $1,500 limits, if qualified.

  • Easy accessibility with ATM and 1st CU Check Card.
  • Free 24/7 online access through 1st Acce$$ and telephone access through KISS audio response system.

 1st Advantage Checking

Benefits:

  • Total Credit Union relationship will be considered to help avoid a monthly maintenance fee.
  • No Direct Deposit required, but with Direct Deposit, save time and become eligible for loan APR discounts.
  • Write unlimited checks each month.
  • Receive one free box of 1st Advantage Style checks annually.
  • Many traditional banking services are free, such as, money orders, cashier’s checks, traveler’s checks and notary services.
  • Overdraft protection from designated deposit account.
  • Convenience Pay:

- No Direct Deposit: $100 limit
– With Direct Deposit: Eligible for $100, $500, $1,000 or $1,500 limits, if qualified.

  • Easy accessibility with ATM and 1st CU Check Card.
  • Free 24/7 online access through 1st Acce$$ and telephone access through KISS audio response system.

 e-Checking

Benefits:

With direct deposit of recurring income, this is the ideal account for e-minded members on the go who prefer electronic access to their accounts. The “e” in e-Checking stands for “everything,” which is exactly what you get with this account solution.

  • No minimum balance requirements
  • No monthly maintenance fee.
  • All electronic services FREE (1st Acce$$, 1st Pay, 1st Look, 1st CU Check Card, KISS).
  • More traditional banking services FREE than any other account offering:

- Money orders
– Cashier’s checks
– Counter checks
– Check copies
– Notary services

  • Overdraft protection from designated deposit account.
  • Convenience Pay:

- No direct deposit: $100 limit
– With direct deposit: Eligible for $100, $500, $1,000 or $1,500 limits, if qualified.

  • Easy accessibility with ATM and 1st CU Check Card.
  • With direct deposit, save time and become eligible for loan APR discounts.
  • Free 24/7 online access through 1st Acce$$ and telephone access through KISS audio response system.

Rewards Checking

Benefits:

This interest-bearing account rewards members who carry a particular average daily balance by paying dividends on their checking balance. They are also entitled to other rewards, such as unlimited check writing and free checks. This account is for the member who wants to make the most of every dollar, without sacrificing liquidity.

  • Earn dividends on average daily balance of $2,500 or more.
  • No monthly maintenance fee when the minimum balance requirement is maintained.
  • No direct deposit required, but with direct deposit, save time and become eligible for loan APR discounts.
  • Write unlimited checks each month.
  • Two free boxes of basic checks per year.
  • Overdraft protection from designated deposit account.
  • Convenience Pay:

- No direct deposit: $100 limit
– With direct deposit: Eligible for $100, $500, $1,000 or $1,500 limits, if qualified.

  • Easy accessibility with ATM and 1st CU Check Card.
  • Free 24/7 online access through 1st Acce$$ and telephone access through KISS audio response system.

DBA Checking

Benefits:

Our DBA (doing business as) account is perfect for the small business owner(s) who are not incorporated.

  • Allows members to present checks for deposit that are made payable to the business.
  • No outrageous business account fees.
  • Enjoy low minimum balance.
  • No direct deposit required, but with direct deposit, save time and become eligible for loan APR discounts.
  • Overdraft protection from designated deposit account.
  • Convenience Pay:

- No direct deposit: $100 limit
– With direct deposit: Eligible for $100, $500, $1,000 or $1,500 limits, if qualified.

  • Easy accessibility with ATM and 1st CU Check Card.
  • Free 24/7 online access through 1st Acce$$ and telephone access through KISS audio response system.