Checking Accounts

First Community Credit Union is member-owned, so we focus on keeping checking simple, affordable, and service-first—without the runaround.

Revved Up Checking is a good fit if you want everyday checking with extra benefits like ATM refunds, cell phone and tablet protection, loan discounts, Skip-a-Pay eligibility, and early direct deposit access. Legacy Checking may be a better fit if you keep a higher average balance and want dividend-earning checking plus added value like checks, cashier's checks, ATM refunds, paper statements, CD bonus opportunities, and early direct deposit access. Security+ Checking is another premium checking option designed for members who want protection-focused benefits, including cell phone and tablet protection, check benefits, ATM refund options, loan discounts, and Skip-a-Pay eligibility. Basic Checking keeps things simple with essential account access, free online and mobile banking, mobile check deposit, and no monthly service fee.

Revved Up Checking, Legacy Checking, and Security+ Checking are all premium checking options, but they are built for different needs. Revved Up Checking focuses on everyday checking perks like ATM refunds, mobile device protection, loan discounts, Skip-a-Pay eligibility, and early direct deposit access. Legacy Checking is designed for members who keep a higher average balance and want dividend-earning potential, CD bonus opportunities, free checks, cashier's checks, ATM refunds, paper statements, and early direct deposit access. Security+ Checking is a protection-focused option with benefits like cell phone and tablet protection, check benefits, ATM refund options, loan discounts, and Skip-a-Pay eligibility.

Some FirstCCU checking benefits depend on the account type and whether qualifications are met. Perks may include ATM fee refunds, early direct deposit access, cell phone and tablet protection, loan discounts, Skip-a-Pay eligibility, check benefits, dividend-earning options, or CD bonus opportunities. Review the account comparison chart and disclosures to see which benefits apply to each checking account.

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.