Checking
Our Free Checking Options
Pinnacle Checking
At Family First Credit Union, our Pinnacle Checking pays YOU 1.00% interest on balances up to $10,000. You might be thinking, “Okay…what’s the catch? What’s the fee?” No catch. No fee. Just one of the highest dividends in Monroe County for members who meet some really simple requirements.
What our members love about our Pinnacle Checking:
- 1.00% APY on balances up to $10,000*; dividends are compounded daily and credited monthly
- VISA Debit card with a cash reward program
- All Family First ATM Transactions are FREE
- Access to nearly 30,000 fee-free ATMS and 5,000 branches with our Credit Union partnership
- Free e-statements, online banking, online bill pay, and online check copies
- Free box of checks upon opening your account
- Share Overdraft Protection
- No minimum balance or monthly fee
- Must have direct deposit of at least $250 or perform 12 signature based debit card transactions per month AND sign up for e-statements to qualify for dividend
- The maximum number of Pinnacle Checking Accounts per member at any one time is 5.
*See Checking Account rates page for full details.
First Checking
Our First Checking account is a great no nonsense checking account. Enjoy free checking that includes benefits like a free debit card, your first box of checks, and 24-hour access to online banking. We’ve worked hard to make this one easy for you.
What our members love about First Checking:
- No minimum balance and no monthly fee
- VISA Debit card with a cash reward program
- Access to nearly 30,000 surcharge-free ATMS and 5,000 branches with our Credit Union partnership
- Share Overdraft Protection
- Free e-statements, online banking, online bill pay, and online check copies
- All Family First ATM Transactions are FREE
- Free box of checks upon opening your account
- No dividends paid.
Find the Right Checking Account for You
| Pinnacle Checking | First Checking | |
|---|---|---|
| High Yield Interest |  | |
| Dividend Paid | | |
| Visa Debit Card | | |
| First Box of Checks | | |
| Online Banking | | |
Accessing Your Account
At Family First, it’s easier than ever to access funds from your checking account! We participate in a shared ATM and branching network that allows surcharge FREE access to ATMs and allows you to handle your finances at other credit unions across the country… just one of the perks of being part of our Family.
Open a Family First free checking account in just a few easy steps:
1. Select the best checking account for you.
2. Receive your debit card. Earn cash rewards from local and national retailers when you use your Family First Visa® Debit Card. In addition to Family First ATMs, this card will give you access to nearly 30,000 surcharge-free ATMs across the country though our CO-OP partnership
3. Change your direct deposit. We can help change direct deposit to your new checking account. It’s easy!
4. Reassign automatic payments and bills. We will help you set up online account access, and then reassign any automatic bill payments to your new checking account.
5. Convenient E-statement access through home banking. As part of the convenience of online access you can view up to 18 months of your statement for free.
Ready to get started or have questions? Give us a call at 585.586.8825 or stop in to any of our convenient branches today for a 30-minute appointment and take advantage of everything our FREE checking accounts offer.
