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Checking Accounts

If only everything in life was this easy…

We don't believe in pages of fine print or excessive fees to have a checking account. That's why we offer 4 checking account options with easy to understand terms.

All checking accounts include:

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

Find the checking that best suites your needs below or if you already know what works for you scroll down to open your account online today!

  Advantage Basic Advantage Dividend Graduate (Ages 16 to 21) Golden Advantage (Age 50 or better)
Minimum to Open $25.00 $25.00 No minimum No minimum
To Avoid Monthly Fee E-Statements $200.00 Minimum Balance None None
Earns Dividends No Yes No Yes
Eligible for Overdraft Protection Yes Yes Yes Yes
Eligible for Overdraft Privilege Program (ODP)* Yes Yes No No
Additional Features
  • No minimum balance to avoid a fee
  • Unlimited check writing
  • Unlimited check writing
  • Competitive dividend rate
  • Unlimited check writing
  • Free first box of checks
  • Eligible for periodic drawings through Youth Account program
  • Unlimited check writing
  • Two free boxes of checks per year
  • Free money orders and cashier checks
*Some accounts may not qualify for Overdraft Privilege Program (ODP), contact us at (608) 362-9077 or Toll-free at (800) 828-5923 for more information.


We make it easy.

To qualify for membership you just have to 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 $15.00 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 business days.

Members that have the Golden Advantage checking can receive up to 2 free boxes of checks per year and a $5.00 discount for each box thereafter.

Credit Cards read more

Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

Espanol? read more

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

Mobile Banking read more

Check out how you can text, use your mobile browser or download our new TouchBanking app to keep track of your account!