All branches, the Service Center, and our corporate offices will be closed Monday, May 27, in observance of Memorial Day.
Discovery Youth Accounts are a great way for kids to manage money, earn dividends and get rewarded for good grades.
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.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Avoid common and costly mistakes when you follow our helpful guide to buying a car or truck.
Nearly 30,000 ATMs and over 5,000 shared branches mean you have access to your money from coast to coast.
Earn 37 times the national average rate of return with High Yield Checking. Why earn less when you can earn more? Put your money to work for you and enjoy ATM fee refunds and no minimum balance requirement, while you’re at it.
Introducing a checking account that pays you money — now, that’s impressive!
On qualifying balances $0.00 - $20,000
Qualifying balances over $20,000
It only takes two simple steps to qualify for higher dividends and ATM fee refunds – and you’re probably already doing them:
Have at least one direct deposit of $500 or more.
Make at least 12 debit card purchases that post and clear.
If you don’t meet the monthly account requirements listed above or maintain an average daily balance of at least $1,000, a monthly fee of $4.95 will be assessed.
Earn high dividends on qualifying balances.5
ATM Fee Refunds
Receive up to $12 in ATM refunds each month.5
Free Visa® Debit Card
Use your card or pair with digital wallets to make secure and simple purchases worldwide.
View your statements easily online with free eStatements.4
Your funds are federally insured up to $250,000.
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule 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
We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7
Plus, you can receive additional coverage with Courtesy Pay.8
If you accidentally overdraw your account, our two overdraft protections options will have you covered.
 High Yield Checking - Dividends: APY = Annual Percentage Yield. APYs and terms are accurate as of 5/20/2019 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: 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.
 Paper Statement Fee: A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Online Banking to change your statement preference to eStatements.
 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.
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