The First Secure Checking Account gives you the best of the credit union’s free services, and adds tons of valuable benefits. Enjoy vital protection for you and your finances, helpful ways to save, and big rewards on everyday purchases. Many of the added protection options cover not only the account holder, but eligible family members as well.
We’ve rolled a number of popular services into this account so that you have easy access and can save money. Instead of paying individual fees that add up to significant costs over the year, you can get these services for free when you maintain a balance of at least $2500 or pay just $5 per month.
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Financial Features
We make it easy to manage your finances and build for the future. Complete 15 signature-based debit card transactions in the statement period and be actively enrolled in eStatements to earn interest and monthly ATM fee reversals.
Earn 3% APY on your balances up to $10,0001,4
Get up to $10 each month in ATM fee reversals1
Access your account with our online banking and mobile app, plus you can use your VISA® debit card at any surcharge-free ATM on our network or get reimbursed for the fee.1 We also make it convenient to save with direct deposit, to send payments with Bill Pay and our Pay Anyone services, and to link external accounts for deposits or withdrawals.
- Earn 3% APY on Balances up to $10,0001,4
- Get up to $10 each month in ATM fee reversals1
- No minimum balance requirements
- Unlimited check writing
- Free Online and Mobile Banking with Bill Pay
- Courtesy Pay
- Access to 57,000 Surcharge-free ATMs in the STAR network
Additional Benefits
You deserve the best each day and we strive to deliver the best service and banking experience possible. In addition to all the convenient financial features, you can enjoy these protection services, discounts, and rewards.
IDProtect®
Helps to better protect yourself and your family against an identity fraud event, financial or otherwise, anywhere in the world – even if it doesn’t impact your account at First Financial. IDProtect is a personal identity theft protection service available to First Secure Checking Account owners and their eligible family members.2 Service Includes:
- Fully Managed Identity Theft Resolution Services: access to a dedicated fraud specialist who will help you every step of the way until your identity is restored.
- Identity Theft Expense Reimbursement Coverage 3: Up to $10,000 identity theft expense reimbursement to cover expenses associated with restoring your identity.
- Credit File Monitoring 5, Credit Report and Score6 , and Identity Monitoring* are available.
- Debit and Credit Card Registration*: Cancel and request replacement cards using just one number.
$hopping RewardsTM
- Access to exclusive offers and discounts at thousands of leading online retailers.
- Shop online using our customized shopping portal and receive cash back.
- Available Online Only
Debit Advantage®
- 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 up to one full year on most new retail purchases if the warranty is less than five years.3
- Item(s) must be purchased entirely with eligible account.
Travel and Leisure Discount Membership*
- Local and national discounts for hotels, restaurants, rental cards, museums, sporting events and more.
- Access discounts from your mobile device or redeem and print online.
- Available Online Only
Cellular Telephone Protection 3
- Covers up to three phones listed on the cellular phone bill.
- Covers damage or theft, up to $300 per claim and 2 claims per year.
- Cellular telephone must be paid through this account.
Health Discount Savings*
- Vision discounts – exams, glasses, contact lenses, LASIK
- Prescription discounts
- Dental discounts
- This is NOT insurance.
Fees
| Description | Fee Details |
|---|---|
| Item Returned Unpaid Fee (non-sufficient funds) | $32.00/item |
| Item Paid Using Unavailable funds (must qualify) | $32.00/item |
| Courtesy Pay Fee (must qualify) | $32.00/item |
| Stop Payment Fee | $32.00/item |
| Draft Copy | $5.00/item |
| Collection Fee | $50.00/item |
| Monthly Account Fee - First Secure Checking | $5.00/month, waived with an average balance of at least $2500 |
| Monthly Account Fee - Everyday Checking | $0.00/month |
| Check Printing | Varies depending on style and quantity |
ATM/Debit Card Services
| Service | Fee Details |
|---|---|
| Card Replacement | $10.00 |
| Card Expedite Fee | $25.00/occurence |
| Item Returned Unpaid | $32.00/item |
| Balance Inquiry using an ATM | $1.00 Per Inquiry |
| Eight (8) free withdrawals (ATM and POS) transactions per month | $1.00 per transaction thereafter |
*Registration / Activation Required
1: Must make 15 signature-based debit card transactions during the statement period and receive an eStatement.
2: Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age or parent(s) of the account holder who are residents in the same household.
3: Special Program Notes: The descriptions herein are summaries only and do not include all the terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and or insurance documents for complete details of the coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.
4: APY = annual percentage yield
5: Credit File Monitoring may take several days to begin following activation.
6: Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
Insurance Products are not insured by the NCUA or any Federal Governmental Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.