You work hard for your money, and we help you get paid 2 days sooner! No more waiting until payday.
Checking accounts
Minimum Balance to Open
$25
$25
$25
Monthly Service Fee*
$0 with qualifying activity*
Waived for the first SIX months!
$0 with qualifying activity*
Waived for the first SIX months!
$0
Free Online Banking & Mobile Check Deposit
Yes
Yes
No
Piggy Bank Savings
Yes
Yes
No
Earns Dividends
No
Yes
No
Overdraft Coverage Options*
Yes
Yes
No
Additional Features
- Monthly ATM Refunds*
- Cell Phone & Tablet Protection*
- Loan Discounts*
- Non-Sufficient Funds Refunds*
- Skip-a-Pay*
- Get Paid 2 Days Early*
- Two Boxes of Checks per Year
- Monthly ATM Refunds*
- Cell Phone & Tablet Protection*
- Loan Discounts*
- Skip-a-Pay*
Checking Account FAQ's
First Community Credit Union is member-owned, so we focus on keeping checking simple, affordable, and service-first—without the runaround.
Nope! Active First Community Credit Union checking accounts have no monthly maintenance fees. Some premium checking options may have a low monthly fee, but those fees are often waived—especially during the first six months, when you use your debit card, or keep a certain balance. We keep fees transparent and lower than many banks, and our team is happy to help you choose the option that best fits how you bank.
Very easy. First Community Credit Union is implementing advanced account-switching technology that lets you move your direct deposit and recurring debit card payments—like streaming services and subscriptions—in one guided process. This is the same type of technology used by large national banks, now available at your local credit union, and no other community bank or credit union in our area offers it.
Anyone who lives, works, worships, or attends school in our service area may be eligible to join and open a checking account. If you’re just outside our service area, eligibility may still be available through approved local affiliations. Our team is happy to review options and help determine eligibility.
Typically you’ll need a valid ID and basic personal information. If anything else is needed, we’ll tell you during the process.
Tips for simplified money management
*Monthly maintenance fee of $4.99 applies to Revved Up Checking unless 20 debit card purchases (excluding ATM transactions) are made each statement cycle. For Security Plus Checking, the $4.99 fee is waived with a $2,500 average daily balance.
*Early direct deposit availability depends on payer timing. Funds are generally available up to 2 days early with eligible direct deposit to a Revved Up Checking account in good standing.
*Overdraft Privilege (ODP) is not a loan or line of credit and is available only to qualifying accounts.
*ATM fee reimbursements up to $10 per month are credited on or about the 5th of the following month, if qualification criteria are met.
*Loan rate discounts and Skip-A-Payment eligibility are subject to credit approval and account status. Some loan types are excluded. See MSR for details.
*Insurance products offered are not NCUA insured, not deposits, and are not guaranteed by the credit union or affiliates. Refer to the Guide to Benefits or certificate of insurance for full terms and exclusions.
*See our Truth-in-Savings Disclosure, Rate Supplement, and Schedule of Fees for full account terms and conditions. Federally insured by NCUA.
Federally insured by the NCUA
