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.

Earn More on Your Money

Your money works harder with our new Pinnacle Checking and Companion Savings bundle. Earn a great rate on your everyday checking balance and easily save for your goals at the same time. You get all the mobile and online tools you want with no monthly fees!

What you get

Pinnacle Checking

  • 1.00% APY* 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

Pinnacle Plu$ Companion Savings

  • 3.00% APY** on balances up to $10,000
  • Automatically linked to your Pinnacle 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 AND have a direct deposit of at least $250 in checking
  • Enroll in e-statements
  • Make at least a $100 deposit in savings

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: Debit Reward$.

*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. Fees may reduce earnings. $0 minimum to open account. To earn premium interest 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 e-statements 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. 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.
**Pinnacle Companion Savings Account available to Pinnacle Checking account holders only. To earn bonus interest rate on savings account, requirements of Pinnacle Checking must be met and include 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 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%.

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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