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 Protection Service*
  • Cellular Telephone Protection*

* Note: Some of the benefits of IDProtect® require registration and activation. Click here to register. Please refer to program materials for further details.

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

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank 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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