Bump Up CDs are a great way to start saving now and get more later with a one-time rate bump!
Whether you’re consolidating debt or making home renovations, a home equity loan with First Service will help pave the way for success.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Did you know your First Service membership may help you save on your car insurance? Check out the TruStage Auto Insurance Program to see what you might save.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Join us each month as we explore different financial topics and ways to enhance your financial future.
Over 5,000 shared branches and over 85,000 ATMs mean you have access to your money from coast to coast.
How to Qualify
Bank Your Way
On qualifying balances $0.00 - $20,000
Qualifying balances over $20,000
Earn high dividends on qualifying balances.5
ATM Fee Refunds
Receive up to $12 in ATM refunds each month.5
Send money to friends and family with Zelle108
Set up direct deposit and get paid up to two days early67
Deposit on the Go
Take advantage of Mobile Deposit within the FSCU Digital Banking mobile app
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.
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.
To open a checking account, you must become a member with First Service. You can do this in three ways:
Our routing number is 313090561.
With First Service Digital Banking, setting up direct deposit is a snap! Simply follow these steps below:
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.
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 Texas-sized access at over 5,000 credit union branches and over 85,000 ATMs nationwide.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.
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.
Lay a solid foundation with basic financial advice on budgeting, debt management, buying your first home, and more.
Tackle life as a team and win big with tips for maintaining your home, preparing for a baby, and more.
Plan for all of your goals with advice on saving for the future, making the most of your retirement, and planning your legacy.
 High Yield Checking - Dividends: APY = Annual Percentage Yield. APYs and terms are accurate as of 1/17/2023 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.
 National Average - Interest Checking: National average calculated and reported by the FDIC based on the national rates gathered by RateWatch as of 8/22/2022. Rate represents the average annual percentage yield paid by all FDIC-insured depository institutions and branches for which data are available. Comparison is based on High Yield Checking rate of 0.40% annual percentage yield and national average interest checking rate at all banks of 0.03% annual percentage yield.
 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.
 Zelle® Trademark: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
 Early Payday: Subject to employer and/or payer terms and conditions. First Service will generally post payroll direct deposits on the day they are received, which may be up to two days earlier than the scheduled posting date. Other exceptions may apply.
 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 Digital 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. Shared ATM access is available to members immediately.
 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 our Insufficient Funds and Overdrafts terms for more information.
 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. An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee’s institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate fee charge of $30 each time First Service pays an overdraft.
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