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Checking Account Comparison Chart

A Checking Account that Best Fits You

At FirstCCU we believe in choice; so, we’re making it easy for you to choose the account that’s best for you – and switch your direct deposits quickly and easily.

Basic Checking Account
No frills, No fees, just convenient features that make managing your money a breeze.  The Basic checking account is perfect for individuals who favor simplicity with all the features you expect from a checking account.  

Security+ Checking Account
Secure your peace of mind with a Security+ Checking account that makes it simple to keep your finances safe and take advantage of discounts and financial services.

Revved Up Checking Account
A checking account that fits your lifestyle. We've Revved Up the checking account benefits with tools that put you in the driver's seat. Bank the way you live - on any device, anytime!

Switch your Direct Deposits & Automatic Payments quickly and easily with ClickSwitch!

Open Checking Account (New Members)



 

Open Checking Account (Current Members)

 


 

 Download Comparison Chart PDF
 


Choose The Checking Account That's Right For You

Key Features & Benefits Basic Checking Security+ Checking Revved Up Checking
Free Online & Mobile Banking
Free Mobile Check Deposit
Monthly Service Fee1 FREE

$4.95 Waived 

Maintain $2,500 AVG BALANCE

$4.99 Waived

20 Or More Debit Transactions

Overdraft Coverage Options2
Minimum Balance To Open $25 $25 $25
Two Boxes Of Checks Per Year    
Earns Dividends    
Monthly ATM Refunds3  
Cell Phone & Tablet Protection4  
$10,000 in ID Theft Protection  
Loan Discounts5  
Non-Sufficient Funds Refunds2    
Skip-a-Pay6
Get Paid 2 Days Early*    

 

 


Open Checking Account (New Members)

Open Account Online

 

Refer to Truth in Savings disclosure for additional information. Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. *Early access to direct deposit funds depends on the timing of the submission of the payment from the payer. Funds are generally available on the day the payment is received, which may be up to 2 days earlier than the scheduled payment date. A Revved Up Checking account is required and must remain open/active and in good standing to qualify. 1 Annual Percentage Yield. Refer to our Truth-in-Savings disclosure for full details on product requirements and terms. $4.99 monthly fee is waived with 20 or more debit transactions per month, does not include ATM transactions. Please refer to our Account Disclosure Rate Supplement and Schedule of Fees and Charges for complete details. 2 Overdraft Privilege Program (ODP) is not a loan or a line of credit and is only available to accounts that meet qualification criteria. 3 If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during the qualification cycle will be reimbursed up to a $10 maximum credited to the account on or about the 5th day of the next month. 4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. 5 .50% discount on certain loans with preferred member pricing.  Other credit qualifications may apply, see MSR for details. Rates subject to change. 6 First Community Credit Union has the discretion to approve or deny a Skip-A-Payment request. Loan must be in good standing. Allow up to 5 business days for processing the Skip-A-Payment request. Must provide valid email address as we will notify you by e-mail regarding the final status of your request. Disability and Life Insurance may not cover the extended period incurred by this request. ACH Payments may not stop, but the payment may be reversed and deposited into the savings at FirstCCU. Cannot exceed the maximum of 6 deferrals and or Skip-A-Pays per loan. Loans that do not qualify for deferral include Mortgages, Second Mortgages, Mobile Homes, Home Equity Lines of Credit, Credit Cards and any Open Line of Credit. New loans with less than six (6) payments made and loans that are not in good standing due to Bankruptcy or a history of delinquency may not qualify for deferral.Federally insured by the NCUA. Refer to our Account Disclosure Rate Supplement and Schedule of Fees and Charges disclosure for full details on product requirements and terms. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.