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Basic Checking

FirstCCU offers a free checking account that includes a free VISA debit card with unlimited transactions

First Community Credit Union Basic/Free Checking Account

We don't believe in pages of fine print or excessive fees to have a checking account. That's why we offer checking account options with easy to understand terms.  Open a free checking account online today!


FirstCCU's Basic/Free Checking Accounts include:

  • FREE VISA Debit Card with Unlimited Signature Based Transactions
  • FREE FirstCCU Mobile App
  • FREE E-Statements
  • FREE Transactions at any FirstCCU ATM
  • FREE Anti-Fraud Protection with E-Alerts
  • FREE Nationwide Shared Branching
  • Online Home Banking & Bill Pay
  • 24/7 Account Access
  • Unlimited check writing
  • Overdraft Coverage Options

Find the checking that best suites your needs in the table below or scroll down to open your account online today!

  Basic Checking Youth Checking (Ages 16-21)
Minimum to Open $25.00 No minimum
Eligible for Overdraft Protection Yes Yes
Eligible for Overdraft Privilege Program (ODP)* Yes No
Additional Features:
  • No minimum balance
  • Unlimited check writing
  • No minimum balance
  • Unlimited check writing
  • Free first box of checks
*Overdraft Privilege Program (ODP), contact us at (608) 362-9077 or Toll-free at (800) 828-5923 for more information.
  Basic Checking Security+ Checking
Free Visa Debit Card
Eligible for Overdraft Protection Program*
FREE FirstCCU Mobile App
Online Banking
ATM Fee Refunds*  
Cell Phone Protection  
Earns Interest  
$hopping Rewards  
Piggy Bank Savings  
Free Boxes of Checks  


We make it easy.

To qualify for membership you must live or work in Southern Wisconsin or Northern Illinois. Note that to become a member of the credit union you will need to open a $5.00 Primary Savings (share) account.

Need to reorder checks?

If you've ordered checks with us before you can reorder online!  

Each box costs $16.00 and will be debited from your checking account within 3 weeks of placing your order online. Your checks should arrive in the mail within 7-10 business days.

Espanol? read more

FirstCCU permite posibles miembros usar Matricula Consular o numero de ITIN para abrir cuentas de ahorro y cheques

Security+ Checking read more

A more rewarding and beneficial checking account. FREE 90 trial period.

Mobile Banking read more

Download the FirstCCU Mobile App to access your account 24/7!