Checking Accounts

Premium Checking

A Premium Checking Account from Family First offers you more than the normal benefits of a Checking Account. Best of all, our Checking Account still pays interest! Enjoy the convenience of direct deposit, online banking, and debit card, along with the security of IDProtect® - Identity Theft Protection Service*.

Premium Checking Account benefits include:

  • Free Debit Card
  • Free Online Banking & Bill Pay
  • Free e-Statements
  • Earn interest on balances over $2,500
  • No minimum balance requirements/fees
  • No limit on monthly transactions
  • Free first box of checks
  • Overdraft Protection available
  • IDProtect® - Identity Theft Monitoring and Resolution Service1 (Registration/Activation Required)
  • Cellular Telephone Protection2 (Cellular telephone bill must be paid using eligible account)

1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Click here to register. Please refer to program materials for further details.

2 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage.

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Basic Checking

Managing your Checking Account is easy with the convenience of direct deposit, online banking and debit card. Basic Checking Accounts receive a monthly paper statement for a fee of $1.95. E-statements are available at no charge.

Basic Checking Account benefits include:

  • Free Debit Card
  • Free Online Banking & Bill Pay
  • Free e-Statements
  • Earn interest on balances over $2,500
  • No minimum balance requirements/fee
  • No limit on monthly transactions
  • Free first 50 checks
  • Overdraft Protection available

Overdraft Protection

We all make mistakes, occasionally. At Family First Credit Union we offer an Overdraft Protection line of credit to cover you in the event of an addition error. Overdraft Protection is a $600 line of credit deposited in increments of $100, then as needed to a maximum of $600 to cover any checks that are presented for payment. You must qualify for this service.

OOPS! Occasional Overdraft Privilege Service
(For eligible checking accounts)

Have you ever made an honest mistake in your checkbook? Found yourself a little short on cash? Or had an unusual or unforeseen expense at the most inopportune time? Relax...rather than automatically returning unpaid** any insufficient automated clearing house (ACH) or check transactions that you may have, we will consider, without obligation on our part, payment of your reasonable overdraft.

This allows you to avoid additional charges from merchants for returned checks. Overdraft privilege payments of up to $500 will be considered based on your checking account.

We will charge our normal non-sufficient funds or overdraft charge, set forth in our fee schedule, for each item that would create an overdraft on your account. Contact any Member Service Representative for more details.

**OOPS does not cover point-of-sale (POS) transactions.

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