Checking Accounts with First Financial

First Secure Checking

You deserve the best each day. The First Secure Checking Account is loaded with benefits for you and your family.

IDProtect® – Protects against identity fraud, financial or otherwise, anywhere in the world.

Shopping Rewards – Access to exclusive offers and discounts at thousands of retailers.

Added Insurance – Get protection for cell phones, purchases, health savings, and more.

And you’ll always get our list of free features with an FFCU checking.

Basic Checking

Our free checking account is just that – free.

It’s easy to set up and we can help you transfer over direct deposits or automatic payments.

No minimum balance requirements

No monthly maintenance fees

Unlimited check writing

Visa Debit Card

And you’ll always get our list of free features with an FFCU checking.

Pre-Paid Debit Card

If you do not want a full checking account or you don’t qualify, a pre-paid debit card is a great solution.

A CUMONEY Everyday Spend Cards is the prepaid debit card that lets you load, reload and relax. You can be confident that you’ll only spend what you have and you’ll know any fees in advance.

Your Visa® Spend Card will be mailed to you and can be used anywhere Visa is accepted. Load funds through a direct deposit, at a branch or through any Visa ReadyLink location.


All Checking Accounts Come with the Following Free Features

Bill Pay &
Pay Anyone (P2P)

Overdraft Transfers

Visa Debit Card

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1: APY = Annual Percentage Rate. Dividends are calculated based on the average daily balance.

There is a minimum average daily balance of $2,500 to earn dividends on the Basic Checking.

FFCU’s Free Checking is free; however, if incurred, fees such as a stop payment or NSF fee will apply. Please refer to the FFCU Fee Schedule for a list of these types of fees.

Overdraft Protection is optional. You must opt in to benefit from this free service. First Financial’s Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your FFCU Checking Account to cover a transaction, provided you have enough money in your linked FFCU Regular Savings, Supplemental Savings Account or Line of Credit. To do so, we automatically transfer funds from your regular savings or supplemental savings account to your FFCU Checking Account to cover your overdrafts.

A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid the paper statement fee, log in to It’s Me 247 Online Banking to change your statement preference to eStatements.

Mobile check deposit requires a camera-enabled mobile device. Data and text charges may apply. Check with your mobile service provider.

There is no fee to enroll in Courtesy Pay; however, when it is used, there is a fee. To be eligible for Courtesy Pay, members must be in good standing and have an FFCU Checking Account that has been open for at least six months.

An FFCU checking account is required for use with Bill Pay and Pay Anyone P2P. There are no fees to maintain a Bill Pay account.

Surcharge-free ATMs include FFCU-owned ATMs and ATMs that are part of the Star Surcharge-Free network. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee.