Premium Checking
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A Checking Account that helps protect 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 helps protect your identity for as little as $2.95 a month!

ID Protect



Premium Checking Account benefits include:

  • Free Debit Card
  • Free Online Banking
  • Mobile with Remote Deposit
  • Free Bill Pay 
  • Free eStatements
  • Earn interest on balances over $10,000
  • 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 
  • Cellular Telephone Protection2 (Cellular telephone bill must be paid using eligible account)

 1Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. 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.

2Special 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.

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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