Mobile banking allows you to deposit checks, transfer funds, and track your monthly budget. It’s just that easy.
Learn the six easy steps to buy your first or next home with our free Home Ownership Workshop the second Saturday of every month.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Stop stressing and start growing your business with an SBA 7(a) loan from First Service.
First Service is here to help you with tools and tips for each step in your financial journey.
Nearly 30,000 ATMs and over 5,000 shared branches mean you have access to your money from coast to coast.
Compare Checking Accounts
Whether you’re opening your first checking account or looking to earn higher-than-average dividends, First Service Credit Union has you covered with great rewards and convenient features to help you easily manage your money.
Find the checking account that’s right for you.
Earn rewards points with every debit card purchase.
Get paid high dividends and ATM fee refunds.5
Helps youth aged 15-17 learn smart money habits.
Get a second chance if you have less-than-perfect banking history.
$4.95 or $0 when the following monthly qualifications are met:
• Have at least one direct deposit of $500 or greater AND at least 12 debit card purchases
• Maintain a balance of $1,000 or greater
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule (and avoid Houston traffic) with 24/7 access to check your balances, make transfers, pay bills, and more.
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy coast-to-coast access at over 5,000 credit union branches and nearly 30,000 free ATMs nationwide. That's Texas-sized access.34
 High Yield Checking: Higher dividends are paid and ATM fees are refunded each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. ATM fees are refunded up to $4 per transaction not to exceed a cumulative limit of $12 per month. A monthly fee of $4.95 will be assessed if these monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
 CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership.
 Overdraft Transfer Fee: A fee of $5.00 is assessed for each automated transfer from a savings or line of credit to cover an overdraft; refer to the Fee Schedule for details.
 Courtesy Pay: Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. Opting into Courtesy Pay covers checks and ACH transactions plus one-time debit and ATM transactions. Transactions exceeding your established limit (and other types of transactions) will not be covered. After 20 days negative, any remaining Courtesy Pay limit will not be accessible and the full negative account balance must be repaid within 30 days. Fee charge of up to $30 for each time First Service pays an overdraft.
 High Yield Checking - Dividends: APY = Annual Percentage Yield. APYs and terms are accurate as of 11/19/2018 and may change after account is opened. Higher dividends are paid each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. A monthly fee of $4.95 will be assessed if the monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
 High Yield Checking - ATM Fee Refunds: ATM fees are refunded when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. ATM fees are refunded up to $4 per transaction not to exceed a cumulative limit of $12 per month.
 Discovery Youth Accounts - Semester Earnings: Account holder must pass all subjects/classes to receive Semester Earnings. Semester Earnings calculation is subject to approval. Semester Earnings will be deposited into the child’s Discovery Account. Account holders may only receive Semester Earnings once per semester. See the complete rules for more details.
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