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.

All Family First branches and the call center will be closed on Wednesday, June 19 for Juneteenth. We hope you have a safe and enjoyable holiday.

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.

Get Rewarded for your Everyday Banking

It’s easy to get rewarded for your everyday purchases and build your savings at the same time. Our new Debit Reward$ Checking and Companion Savings bundle makes it a breeze. Plus, it comes with all the mobile and online tools you want with no monthly fees!

What You Get

Debit Reward$ Checking

  • 1% cash back* on your debit card purchases (deposited into your companion savings account)
  • 0.5% APY on your average checking account balances up to $10,000 (deposited into your checking account)
  • 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

Debit Reward$ Companion Savings

  • 3.00% APY** on balances up to $10,000
  • Automatically linked to your Debit Rewards Checking

What's the catch?

None! Just meet some simple requirements each month that you’re probably already doing in your everyday banking. No fees if you don’t meet the requirements in a given month!

  • Make 12 debit card transactions
  • Have at least $250 in checking deposits and $100 in savings deposits
  • Pay two bills via Online or Mobile Banking
  • Enroll in e-statements

Open online or visit any branch to get yours today!

Already a current checking member? Upgrade your account by visiting your nearest Family First branch.

Be sure to check out our other new option as well: Pinnacle Plu$.

Annual Percentage Yield (APY) is accurate as of 2/1/2023. This is a variable rate account and the interest rates and APYs may change at any time.
Debit Rewards Checking requirements are as follows: 12 debit card transactions (excluding ATM transactions), a minimum 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 e-statements 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.
*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.
**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. 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%.

Joining is Easy

We’re proud to offer some of the most competitive auto rates in town​

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Stop in and see what the Family First experience is all about​

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