senior woman with card

Checking Plus Power Up

Get Cash Back with Power Up

Power Up your Checking account to get additional benefits! 

Open An Account

Get Up to $250 When You Set Up Direct Deposit1

Learn More

Unlock the Power of Your Spending

Why settle for ordinary when you can earn rewards every time you spend and then multiply your impact with Power Up? When you Power Up your Checking Account, you’ll earn cash back on everyday debit card purchases while enjoying the many benefits of Power Up like 24/7 Roadside Assistance, Telehealth, and so much more!

Let's Get Started!

Features of Checking with Power Up

  • Cash Paid Every Day

    Earn cash back on every purchase, every day, no matter how big or small.

  • Instant Transfers with Zelle®

    Seamlessly transfer money to your loved ones.

  • Experience Early Paydays

    Enroll in direct deposit and receive your salary up to two days in advance.2

  • No Minimum Balance

    Start your account journey with just a dollar.

  • On-the-Move Deposits

    Leverage the Mobile Deposit feature in the FSCU Digital Banking app.

  • Guaranteed Safety

    Rest assured, your funds receive federal insurance up to $250,000.

Power Up Features

Take your banking experience to the next level with our premium Power Up features. You can help protect and enhance your financial life for for $6.99 per month or $79.99 per year!3

  • Covers up to four phones listed on the cell phone bill
  • Covers damage or theft
  • Up to two claims and maximum of $1,000 per eligible account, per twelve-month period
  • Up to $800 per claim
  • $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
  • 24/7 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

  • Buyers Protection4 covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty4 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.

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 earn cash back on every purchase, every day, no matter how big or small.6

All day. Every Day.

Start Earning Daily Cash Back Today

Apply online, give us a call, or visit one of our branches and start earning unlimited Daily Cash Back!

713-676-7777
MembershipAdvisors@FSCU.com
Apply Online

Power Up FAQs

Each time you use your debit card in person, with a digital wallet (Apple Pay / Google Pay), or when shopping online, you will earn 0.15% in cash back. At 11:59 PM each day, you will receive a deposit for any cash back you earned that day, rounded up to the nearest penny.6
Cash withdrawals and electronic transfers will not earn cash back.
You can receive up to $800 in coverage for cell phone repairs or replacements, covering up to four phones. A deductible of $50 applies per claim. You are allowed up to two claims per eligible account every twelve months, provided the cell phone bill is paid through a First Service Credit Union checking, savings, or credit card account.
IDProtect® is an identity theft monitoring and resolution service that helps protect you and your joint account owners from identity fraud event anywhere in the world. It includes the following benefits:
  • 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.
To file a claim for any of the Power Up insurance benefits, please call 1-866-210-0361.

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.

You will access $hopping Rewards in the Power Up portal. This includes exclusive offers and discounts at thousands of online retailers and receive cash back when shopping online. You can choose to keep your cash back in our $hopping Rewards account for use toward future purchases or have your cash back sent to you via Paypal or as a check.
For all items purchased entirely with your First Service Credit Union credit card, checking or savings account, you will receive the following coverage:
  • 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.

View More FAQs

[1]
Members with existing direct deposits do not qualify. First Qualifying Direct Deposit must be received into the member’s account within 60 days successful enrollment. First Service will deposit $50 after the first month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $75 will be deposited after the second month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $125 will be deposited after the third month in which a total of $1,000 or more in Qualifying Direct Deposits is received. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loads or deposits, and any deposit which First Service deems to not be legitimate are not Qualifying Direct Deposits. An ACH direct deposit made available early with Early Payday does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g. the pay date scheduled by your payer). Limit $250 in bonus payouts per member.
[2]
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.
[3]

To Power Up your account, there is a service charge of $6.99 per month or $79.99 per year.

[4]
Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
[5]

Courtesy Pay is subject to a 90 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. For members with Power Up, Courtesy Pay charges are waived if the negative balance for that individual transaction is cured within 24 hours. 

[6]

You may earn Daily Cash Back rewards of 0.15% on qualifying purchases using your Checking Plus Power Up debit card. The cash reward earned is calculated and posted to the account of your choice daily. Qualifying debit card purchases include point-of-sale purchases and online purchases made with any debit card linked to your account. Debit card transactions that are not eligible for Daily Cash Back rewards include: transactions conducted at an ATM, peer-to-peer (P2P) payments, any cash portion of a point-of-sale purchase, loan payments or account funding made with a debit card. Courtesy Pay funds are not eligible to earn rewards. There is no maximum cash back reward amount. Refunds processed will result in a reduction of the daily cash back amount equal to the daily cash back earned for that specific transaction. If the account is closed for any reason, any cash back earned on the day of account closure will be forfeited. Program may be subject to change.