Checking Accounts

Power Up members earn cash back on every purchase, every day, no matter how big or small.

Courtesy Pay Grace Period is here to lend you a helping hand when your account is overdrafted. With Power Up, members have 24-hours from the time of the transaction to bring their account positive.

Power Up members receive up to $800 of replacement or repair costs if their cell phone is stolen or damaged in the U.S. and abroad. 

• Covers up to four phones listed on the cell phone bill
• Up to two claims and maximum of $1,000 per eligible account, per twelve-month period
• $50 deductible per claim
• Cell phone bill must be paid through a First Service Credit Union checking, savings, or credit card account
• Registration and activation required

Power Up Members can save 5¢/gal on every fill-up at participating Shell stations nationwide with extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly and keep track of everything with the Fuel Rewards® app. Save even more when you link a debit or credit card to your Fuel Rewards^® account to earn discounts on fill-ups from everyday purchases. Registration for Fuel Rewards® required. 

Power Up Members receive 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve-month period.

Save $3 to $30 a month

Power Up members receive access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for themselves and their family. There are zero copays, no surprise bills, plus discounts on prescriptions and lab work. Registration and activation required

Power Up members have access to a healthcare savings program that provides discounts on health-related expenses. This is not insurance. Registration/activation required. 

With Power Up, members save 30% on average on brand name and generic prescription drugs. This is not insurance. Registration/activation required. 

Power Up members could save 10% to 60% off eyewear, 10% to 30% off eye exams, and save 40% to 50% off the national average on LASIK. This is not insurance. Registration/activation required. 

Power Up members can save 10% to 50% on dental services and expenses. Provider lists and fees may change at any time. This is not insurance. Registration/activation required.

Power up members enjoy travel and shopping discounts year-round Save at thousands of restaurants (fine & casual dining, fast food & carryout), activities & attractions (theme parks and movie theaters), as well as discounts from local merchants. Redeem and print coupons online or access discounts from your smartphone. Digital Access makes saving easy and convenient, giving instant savings anywhere, and anytime. Available via mobile or web only. 

Power Up members purchases are covered by Debit Advantage which replaces items that get broken or stolen and extends the warranty on the items you buy for up to a full extra year.

• Buyers Protection⁶ covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
• Extended Warranty⁶ extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
• Item(s) must be purchased entirely with a First Service Credit Union credit card, checking, or savings account.

With Power Up, members get access to exclusive offers and discounts at thousands of leading online retailers. Members shop online using the customized shopping portal and receive cash back. Cash back can be held in their $hopping Rewards account to use towards future purchases or conveniently sent to them via Paypal or as a check. Registration/activation required, available via mobile and web only.

Save $4 a month

With Power up, members get access to your credit report and score. Your credit report and score can help you understand your financial health and catch errors or fraudulent activity before they do serious damage. 

Power Up members rest easy knowing that IDProtect, our identity theft monitoring and resolution service⁶, can help better protect their identity.

IDProtect Identity Monitoring searches and monitors thousands of databases and billions of records looking for suspicious activity that could indicate the beginning steps of identity theft for Power Up members. Registration/activation required. 

Power Up members receive up to $1,000,000 to help pay expenses, clear their name and restore their identity, should they become a victim of identity fraud.⁹

With Power Up, members are provided with identity theft resolution services. Should you become a victim of identity theft, a dedicated fraud specialist will be assigned to manage your case. Your fraud specialist will walk you through the recovery process and assist you until your credit and identity are restored. If you have become a victim of identity theft, please contact the Benefits Service Center at 1-866-210-0361, Monday - Friday, 8:30am - 5:00pm EST

With Power Up, members can register their debit, credit and ATM cards with IDProtect to receive quick and easy access to cancel and request replacement cards. Registration/activation required.

With Power Up, members get dark web monitoring, also known as cyber monitoring, allowing you to monitor your personal information on the dark web and receive alerts when your personal information is exposed online.

Power Up Members receive up to $10,000 of 24-hour Accidental Death and Dismemberment protection in the event of an accidental death or severe injury. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

Save $2 to $3 a month

Our checking accounts require no minimum balance. For specifics on each of our checking account types, visit the pages linked below:

• Checking
• Checking Plus Power Up
• Fresh Start Checking
• Bongo Youth Checking

Checking your balance is easy. Your balance is shown immediately when you log in to First Service Digital Banking on your desktop or in the mobile app on the Dashboard page. You can also check your balance at over 85,000 ATMs within our 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 does. 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 on desktop on the FSCU mobile app. You can also check your balance at over 85,000 surcharge-free ATMs.

Generally, our policy is to make deposits available to you immediately or by the end of the same day, but deposit times vary depending on when and where you make them. For information on deposit holds, you may review our terms and conditions within the Funds Availability Policy.

You can use First Service Digital Banking to monitor your account balances and verify when deposits have become available.

ATM deposits are available at a select number of locations. You can search for a deposit-taking ATM nearby online or within First Service Digital Banking.

There are several ways to clear up a negative balance:

• You can send money to your account using Zelle^® or transfer money into your account within First Service Digital Banking.
• You can deposit checks remotely using the FSCU Digital Banking mobile app.
• You can visit any of our Houston-area branches, deposit-accepting ATMs, or Shared Branches.
• You can call the Contact Center at 713-676-7777

• Identity Theft Expense Reimbursement: Receive up to $1,000,000 to help cover expenses associated with restoring your identity, such as attorney fees, loan application fees, long-distance calls, medical records costs, travel and accommodations, lost wages for time taken off work, and more.
• Dedicated Fraud Specialist: Communicate with a dedicated fraud specialist assigned to manage your case and help you every step of the way until your identity is restored.
• Identity Monitoring: Benefit from monitoring of more than 1,000 databases and public records to identify suspicious activity. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
• Daily Credit File Monitoring: Receive daily credit file monitoring and automated alerts of key changes to your credit reports.
• Daily Credit Report and Score: Gain access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
• Credit Score Tracker: Access to IDProtect® Score Tracker to see changes in your credit score over time.
• Dark Web Monitoring: Monitoring of personal information on the dark web.
• Debit and Credit Card Registration: Register your credit, debit, and ATM cards and enjoy peace of mind knowing you can call one toll-free number to cancel and/or request replacement cards if your cards become lost or stolen.

After signing up for Power Up, you can access all of your benefits in Digital Banking. Simply follow the step-by-step instructions to register and activate your benefits. Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation.

• Buyers Protection: Covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
• Extended Warranty: Extends the U.S. manufacturer’s original written warranty for up to one full year on most new retail purchases if the warranty is less than five years.