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Secure Checking Account

Boost Your Financial Safety and Savings Simultaneously

Step up your game with Secure Checking, designed to not only shield your finances but also to open a gateway to strategic discounts on essential services and daily shopping. Wave goodbye to the woes of maintaining a minimum balance and embrace enhanced protection and savings, all under one umbrella.
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Get Up to $250 When You Set Up Direct Deposit1

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A Checking Experience Reinforced with Premium Security

Enhance the safety of your financial transactions while seizing the opportunity to unlock exclusive savings and offers. With Secure Checking, you aren't just securing your finances, you're expanding your financial horizons. Enjoy limitless check writing, streamlined access to First Service Digital Banking, and eco-friendly eStatements when you opt for electronic monthly statements. 


To unlock the full suite of benefits, register using the access code provided in your new account package. Need assistance? Our dedicated First Service representatives are here to guide you.

Features of Secure Checking

  • $hopping Rewards™ Passport

    Navigate through exclusive deals across a variety of online shopping destinations.
  • Travel & Leisure Privileges

    Save more with vouchers for hotels, eateries, car rentals, sports, and entertainment.
  • Family Health Benefits

    Slash your bills on vision care, prescription meds, and dental treatments.
  • IDProtect® & Vigilant Credit Monitoring

    Safeguard against identity threats and keep a vigilant eye on your credit score.2 
  • Robust Cell Phone Security

    Get coverage of up to $300 for repairs or replacements in case of theft or damage.3
  • Zero Balance Stress

    Begin with as little as $1 and forget about any minimum balance requirements.
  • Affordable Monthly Subscription

    Experience premium benefits at just $5/month.
  • Protection in Uncertainty

    Secure up to $10,000 in Accidental Death & Dismemberment coverage.3
  • Debit Advantage® Assurance

    Shield your purchases against accidental damage, fire, or theft for a 90-day span.

Unlock a World of Benefits

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

Secure Checking FAQs

  1. Register online to access exclusive offers and discounts at thousands of online retailers.
  2. Shop online using your customized shopping portal and receive cash back.
  3. Choose to keep your cash back in our $hopping Rewards account for use toward future purchases or have your cash back sent to you as a check

You can receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged anywhere in the world. A $50 deductible applies, and you can only have up to two claims per 12-month period. This protection covers up to three phones on one cell bill, and you must use your Secure Checking account to pay the bill.

For all items purchased entirely with your Secure Checking account, you will receive the following coverage:

  • Buyers Protection123: Covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
  • Extended Warranty123: 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.

IDProtect® is an identity theft monitoring and resolution service122 that protects you, your joint account holders, and eligible family members from any identity fraud event anywhere in the world. It includes the following benefits:

  • Identity Theft Expense Reimbursement: Receive up to $10,000 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.
  • Credit File Monitoring: Receive daily credit file monitoring and automated alerts of key changes to your Experian, Equifax, and TransUnion credit reports.
  • 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.  
  • 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.
  • 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.
  • 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.
  • Online Resources: Get advice on how to protect yourself from identity theft and access valuable educational resources and news related to identify fraud and credit.