ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

Due to inclement weather, the Greece Branch has lost power and will be closed until power is restored. RG&E is estimating this to be around 3:30. We are sorry for this inconvenience.  

The Penfield branch parking lot will have limited access due to sealing beginning Saturday, June 1 at 1:00 pm. It will be fully reopened the morning of Monday, June 3.

First Checking Accounts

Understanding Differences in First Checking Accounts

First Checking Pinnacle

  • Free E-Services: Online Baking, E-Statements, Online Bill Pay, Online 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 1.

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

  • Online Banking
  • E-Statements
  • Online Bill Pay
  • Online 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.

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