We are aware that some of our Family First VISA card holders who are signed up for eStatements received a paper statement for the month of January. These members should have received their January VISA eStatements also and will not receive a paper statement fee. We’re working with our vendor to ensure this doesn’t happen in the future. We apologize for this error. 

All Family First branches and the call center will be closing early at 1:00 PM on Monday, April 8 due to the full solar eclipse happening that afternoon. We hope you enjoy the eclipse!  

Family First Debit and Credit Cards are currently experiencing an issue where transactions are not going through. We are working to resolve this and apologize for the inconvenience.

Banking for a Brighter Future

We have all the resources, tools, and expertise that the big banks offer, but on a more personal scale. With your membership, you can enjoy loyalty benefits including our unlimited cash back checking bundle with a high-yield savings, as well as free online banking and digital services.

With five convenient branches in East Rochester, Greece, Henrietta, Penfield & Webster, we’re right around the corner. Stop in and visit us today!

Debit Reward$

Earn unlimited cash back on your everyday debit card transactions with a Family First Debit Reward$ Bundle!

What Our Members Love

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?

No catch! 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!

Banking Simplified

We have everything you need to do your banking, right at your fingertips. With online banking and our free mobile app, you can manage your accounts anytime, anywhere! At Family First, we are always keeping up with the latest technology to provide you with innovative solutions, convenience, and give you the best member experience possible.

With our Online Banking and Mobile Banking App, you can:

  • Check your account balances
  • Pay bills online 
  • Transfer money
  • Remote deposit checks
  • Set up custom alerts and notifications
  • Add your Family First debit and credit cards to your mobile wallet
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​

heart with a house inside of it

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

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