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High Yield Checking Account

Elevate Your Earnings

Experience the exceptional and boost your financial journey. Benefit from an impressive return rate over 14 times the national average with our High Yield Checking Account. Don't just save — multiply your money, enjoy unparalleled ATM fee refunds, and experience the convenience of no minimum balance.
Open an Account

Get Up to $250 When You Set Up Direct Deposit

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High Yield Checking Rates

1.00% APY1

On Qualifying Balances $0-$20,000

High Yield Checking Features

  • High Dividends

    Dive into premium returns with high dividends on eligible balances. 

  • ATM Fees on Us

    Claim up to $12 as ATM fee refunds monthly.2

  • Experience Early Paydays

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

  • On-the-Move Deposits

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

  • Complimentary Visa® Debit Card

    Effortlessly make global purchases or integrate with your favorite digital wallet for heightened security.

  • Swift Access with eStatements

    Go paperless and retrieve your statements with ease.3

  • Guaranteed Safety

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

  • Instant Transfers with Zelle®

    Seamlessly transfer money to your loved ones.

Maximize Your Benefits

To achieve higher dividends & ATM refunds, ensure you:

  1. Initiate a direct deposit of $500 or more each month
  2. Complete a minimum of 12 debit card transactions that are successfully posted and cleared each month

A monthly fee of $4.95 will be assessed if you don't either meet the monthly account requirements listed above or maintain an average daily balance of $1,000.4

Start Growing Your Wealth

Stop by one of our 14 Houston-area branches, give us a call, or quickly apply online to get started.

713-676-5206
[email protected]
Apply Online

High Yield Checking FAQs

Yes! You can open your account online, and if you're an existing member, you can open new savings accounts within First Service Digital Banking.

Check out all of our digital banking tips and instructions to get even more out of First Service Digital Banking.

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.

The maximum daily withdrawal from an ATM is $500.00. If you need to withdraw a greater amount, please call us beforehand at (713) 676-7777 for authorization.

View More FAQs

[1]

APY = Annual Percentage Yield. APYs and terms are accurate as of 10/23/2023 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. Dividends are compounded and credited monthly. 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.

[2]

ATM fees are refunded 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.

[3]

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.

[4]

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.