Family First
Family First

We are currently experiencing issues with our call center phone system and some calls may not connect. Our vendor is working on this issue. We apologize for any inconvenience.  

All Family First branches and the call center will be closed on Monday, June 19 for Juneteenth (Emancipation Day). Have a safe and enjoyable holiday.
We have been informed that some debit and credit card authorizations are currently being rejected. Our card processor has been informed and is working to rectify the situation. We apologize for any inconvenience this may cause.

First Checking Accounts

Understanding Differences in First Checking Accounts

First Checking Pinnacle

  • Free E-Services: On-line Baking, E-Statements, On-line Bill Pay, On-line Check Copies
  • 1.00% APY. Dividends are compounded daily and credited monthly; rates based on average daily balance. See Rates for details.
  • A VISA Debit Card with Rewards is issued at account opening
  • All Family First ATM transactions are FREE
  • Member Relationship Levels determine free out of network ATM transactions
  • No minimum balance required and no monthly fee
  • To obtain the APY, member must have $250 in direct deposit each month or 12 signature based debit card transactions (processed as credit) per month, and enrollment in online banking and e-statements.
  • Your first box of checks is free upon account opening
  • Interest earned on balances up to $10,000.00
  • If all requirements to earn interest in any given month are not made, there are no fees and there is no dividend distributed for that month.
  • The maximum amount of Pinnacle Checking accounts per member at any one time is 5.

First Checking

  • Your first box of checks is free upon account opening
  • A VISA Debit Card is issued at your account opening
  • All Family First ATM transactions are FREE
  • Relationship Levels determine free “foreign” ATM transactions
  • No minimum opening balance or minimum balance is required
  • Dividends are not paid on this checking account

Free E-Services

  • On-line Banking
  • E-Statements
  • On-line Bill Pay
  • On-line Check Copies

Overdraft Protection

Share overdraft, MoneyLine (with credit approval) and Courtesy Pay Services are available after the account has been open and in good standing for at least 90 days. Statements are available monthly. A Non-Sufficient Funds Fee may be charged for each item returned for lack of necessary funds. Additional fees may apply. Click here to view the Fee Schedule. *Click here to see our Rate Page for details.

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