Premium Checking
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A Checking Account that protects your identity

Wouldn’t it be great if your checking account could be used for more than just a place to hold your money and pay your bills? A Premium Checking account from Family First CU offers all the conveniences that you would want and expect, pays you interest, and also protects your Identity!

IDProtect® - Identity Theft Protection Service*        ID Protect

Premium Checking Account benefits include:

  • Free Debit Card
  • Free Online Banking & Bill Pay
  • Free eStatements
  • 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.

Lost/Stolen Cards

If you believe your FFCU Debit or Visa Credit Card has been lost or stolen:

  • During business hours, please contact us at 989.759.1686 ext. 510.
  • After regular business hours or holidays, please call 1.800.325.3678.

If you have our SecurLock App, you can quickly and easily "shut off" access to your FFCU Debit or VISA Credit Card & "turn on" once you have located your cards.

Download from AppStoreSecureLock EquipDownload from Google Play

Any comments or questions can also be sent to us at

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