Compare Checking Accounts

Free Checking with Debit RewardsHigh Yield CheckingNavigator CheckingFresh Start Checking
Access to over 5,000 shared branches & nearly 30,000 FREE ATMs nationwide34YesYesYesYes
FREE Visa® Debit CardYesYesYesYes
FREE Online Banking with Bill PayYesYesYesYes
FREE Mobile Banking with Mobile DepositYesYesYesYes
FREE eStatementsYesYesYesYes
Overdraft Protection Transfer7YesYesYesYes
Courtesy Pay8YesYesNoNo
Earn rewards pointsYesNoNoNo
Earn high dividends50NoYesNoNo
Get refunded any external ATM fees up to $12 per month46NoYesNoNo
Earn cash for good grades47NoNoYesNo
Minimum opening deposit$1$1$1$1
Monthly service charge


$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




Overdraft Protection

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.

Checking Account FAQs

To open a checking account, you must become a member with First Service. You can do this in three ways:

  1. Open your account online in minutes!

  2. Visit any of our Houston-area branches.

  3. Call us at (713) 676-7777 to open your account by phone.

Our routing number is 313090561.

With First Service Digital Banking, setting up direct deposit is a snap! Simply follow these steps below:

  1. Log in to First Service Digital Banking.
  2. Once you’ve logged in to digital banking, navigate to Set Up Direct Deposit under Accounts.
  3. You will see a list of your eligible accounts. Allocate the percentage of your paycheck that you would like to have directed to each account in the empty field to the right of each account.
    • The total amount of these items must add up to 100% for you to move on.

  4. Once you have noted the allocation you would like, select Next.
  5. Review the information on your screen and, if everything looks correct, Click Submit.
  6. A new direct deposit form will be generated. Click Download Direct Deposit Form to download this form as a PDF document that you can take to the payroll manager at your workplace.
  1. Once you’ve logged in to digital banking, navigate to Additional Service under settings.
  2. Select eStatements.
  3. You will be asked if you would rather receive your account statements electronically instead of by mail. To enroll in eStatements, click the toggle switch to the right of the question so that it appears green.
  4. If this is the first time you have selected this setting, you will be asked to agree to a disclaimer statement about receiving statements electronically.
  5. Click Save Changes.

Checking your balance is easy. Your balance is shown immediately when you log in to First Service Digital Banking or the FSCU Digital Banking mobile app on the Accounts Summary page. You can also check your balance at over 30,000 ATMs within the Shared ATM network.

The actual balance is the total amount of funds in your account. It does not reflect pending transactions, which have not fully processed and cleared your account. The available balance is the amount of the actual balance that is available for transactions.

You should only make transactions against the available balance. If you exceed the available balance, even though the actual balance may be greater, you may overdraw your account. This may result in bounced transactions, returned items, and service charges due to non-sufficient funds. For more details how transactions are processed and the order and timeframe in which they are paid, please see the Funds Availability Policy in the Member Service Agreement.

To check your available balance, log in to First Service Digital Banking or the FSCU Digital Banking mobile app. You can also check your balance at over 30,000 ATMs within the Shared ATM network.

Courtesy Pay is a service offered to checking account members and provides a limited level of protection from non-sufficient fund (NSF) service charges for returned checks and declined ATM or debit card transactions. Members must opt in to extend Courtesy Pay coverage to include ATM or debit card transactions that overdraw the account. It is not a loan — it is a courtesy extended to qualified members in good standing to cover items, up to your eligible limit. We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transactions.

Financial Resources for All Life's Adventures

No matter what stage in life you’re in, we’ve got you covered with articles, tips and financial advice to help you achieve your goals.

Step One

Starting Out

Lay a solid foundation with basic financial advice on budgeting, debt management, buying your first home, and more.

Step Two

Family Life

Tackle life as a team and win big with tips for maintaining your home, preparing for a baby, and more.

Step Three

Planning for the Future

Plan for all of your goals with advice on saving for the future, making the most of your retirement, and planning your legacy.