Checking
Free Checking Options
Simplify your finances with Family First Credit Union’s unique checking products designed to fit your lifestyle and your wallet. All our checking accounts are completely free—with no monthly fees or minimum balances—and come packed with perks like a VISA debit card, rewards programs, a free box of checks, and a full suite of digital banking tools, including mobile banking, bill pay, money management features and more. Start earning more on your money today with a Family First checking account!
It’s easy to get rewarded for your everyday purchases and build your savings at the same time. Our Debit Rewards Checking and Companion Savings bundle makes it a breeze.
What our members love:
- 1% cash back1 on your debit card purchases
- 5.00% APY2 on automatically linked Debit Rewards Companion Savings (on balances up to $10,000)
- No minimum balance or monthly fee
- Full suite of free digital banking tools – mobile and online banking, bill pay, debit card controls, mobile wallet, budgeting and money management tools
- Free box of checks upon account opening
- Access to 30,000+ fee-free ATMs nationwide
- Share Overdraft Protection
- Simple requirements to meet each month (no fees if you don’t meet the requirements in a given month):
- Make 12 signature based debit card transactions and have a direct deposit of at least $250 in checking
- Deposit at least $100 to linked companion savings
- Pay 2 bills via Online or Mobile Banking
- Enroll in eStatements
Your money works harder with our Pinnacle Plus Checking and Companion Savings bundle. Earn a great rate on your everyday checking balance and easily save for your goals at the same time.
What our members love:
- 1.00% APY3 on your checking balances up to $10,000
- 5.00% APY4 on automatically linked Pinnacle Plus Companion Savings (on balances up to $10,000)
- No minimum balance or monthly fee
- Full suite of free digital banking tools – mobile and online banking, bill pay, debit card controls, mobile wallet, budgeting and money management tools
- Free box of checks upon account opening
- Access to 30,000+ fee-free ATMs nationwide
- Share Overdraft Protection
- Simple requirements to meet each month (no fees if you don’t meet the requirements in a given month):
- Make 12 debit card transactions and have a direct deposit of at least $250 in checking
- Enroll in eStatements
- Deposit at least $100 to linked companion savings
Earn a great rate on your everyday checking balance when you meet just a couple of easy requirements!
What our members love:
- 1.00% APY3 on your checking balances up to $10,000
- No minimum balance or monthly fee
- Full suite of free digital banking tools – mobile and online banking, bill pay, debit card controls, mobile wallet, budgeting and money management tools
- Free box of checks upon account opening
- Access to 30,000+ fee-free ATMs nationwide
- Share Overdraft Protection
- Simple requirements to meet each month (no fees if you don’t meet the requirements in a given month!)
- Make 12 debit card transactions OR have a direct deposit of at least $250 in checking
- Enroll in eStatements
Our First Checking account is a great no nonsense checking account. Enjoy free checking that includes just the essentials. We’ve worked hard to make this one easy for you.
What our members love:
- No minimum balance and no monthly fee
- VISA Debit card with a cash reward program
- Access to nearly 30,000+ surcharge-free ATMS nationwide
- Share Overdraft Protection
- Free box of checks upon opening your account
- No dividends paid.
- Full suite of free digital banking tools – mobile and online banking, bill pay, debit card controls, mobile wallet, budgeting and money management tools
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.
Card Controls
Download Card Suite Lite from the App Store or Google Play to easily manage your cards, no matter where you are! Easily register your Family First Visa cards to:
- Freeze your cards instantly
- Create real-time transaction alerts
- Set monthly or transaction spend limits
- Control where and how your cards can be used
Open your new checking account in just a few easy steps:
1. Decide which account is right for you, and then click here to easily open your new checking account online.
2. Receive your debit card. Earn cash rewards from local and national retailers when you use your Family First Visa® Debit Card with the Purchase Rewards Program! 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 you set up your direct deposit to your new checking account. It’s easy!
4. Reassign automatic payments and bills. We will help you set up your online account access, and then reassign any automatic bill payments to your new checking account.
5. Convenient eStatement access through home banking. As part of the convenience of online access, you can view up to 18 months of eStatements for free.
Ready to get started or have questions? Give us a call at 585.586.8225 or visit any of our 5 convenient branch locations today and take advantage of everything our free checking accounts have to offer!
Debit Rewards Checking: Debit Rewards Checking requirements are as follows: 12 debit card transactions (excluding ATM transactions), a minimum direct deposit of at least $250 each month (excludes transfers to/from Family First shares or loans), a minimum of two bill payments each month via Online or Mobile Banking, and enrollment in eStatements with a valid email address. If the requirements are not met, no cash back will be applied to companion savings account. Requirements are calculated for each calendar month. Fees may reduce earnings. $0 minimum to open account. The maximum number of Debit Rewards accounts per social security number/membership at any one time is 1 beginning January 1, 2023.
1) Earn 1.00% cash back on point-of-sale debit card purchases each month. To earn cash back, requirements of the Debit Rewards Checking account must be met. If the requirements are not met, no cash back will be earned. Cash back payments will be credited to your Companion Savings account by the 5th business day following the current statement cycle.
2) Annual Percentage Yield (APY) is accurate as of 3/1/2025. This is a variable rate account and the interest rates and APYs may change at any time. Debit Rewards Companion Savings Account available to Debit Rewards Checking account holders only. To earn bonus interest rate on savings account, requirements of Debit Rewards Checking must be met. In addition, a minimum of $100 must be deposited into the savings account monthly. If the requirements are not met, the savings account rate will be 0.03% (APY) on entire balance for the month. Dividends are compounded daily and credited monthly by the 9th of the following month The APY on savings account balances of $10,000.01 and above is .03%.
Pinnacle Checking:
3) Annual Percentage Yield (APY) is accurate as of 1/30/2023. This is variable rate account and the interest rates and APYs may change at any time. To earn premium interest (see website for current rate) on balances up to $10,000, requirements must be met. Account requirements include 12 signature-based debit card transactions (excluding POS and ATM transactions) or direct deposit of at least $250 each month (excludes transfers to/from Family First shares or loans), and enrollment in eStatements with a valid email address. If the requirements are not met, the rate will be 0.00% (APY) on entire balance for the month. Requirements are calculated for each calendar month. Fees may reduce earnings. $0 minimum to open account. The APY on balances of $10,000.01 and above is .03%. The maximum number of Pinnacle Checking accounts per social security number/membership at any one time is 1 beginning January 1, 2023.
4) Pinnacle Companion Savings Account is available to Pinnacle Checking account holders only. To earn bonus interest rate on companion savings account, the requirements of Pinnacle Checking must be met except member must have 12 signature-based debit card transactions (excluding POS and ATM transactions) AND direct deposit of at least $250 each month (excludes transfers to/from Family First shares or loans). In addition, a minimum of $100 must be deposited monthly into the Companion Savings account. Dividends are compounded daily and credited monthly by the 9th of the following month. If the requirements are not met, the savings account rate will be 0.03% (APY) on entire balance for the month. The APY on savings account balances of $10,000.01 and above is .03%.
