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.

Refer-A-Friend Program

Share the wealth when you refer a friend!

With the new Refer-A-Friend program, everybody wins. Existing members can earn up to $250* just by referring their family and friends to open a new account at Family First, while new members can earn up to $75.** 

Don’t keep us a secret, spread the word! 

Get Started Today!

Have you been referred by a friend or family member? Getting started is easy! Simply click the button below to start your digital application. When asked how you heard about Family First, select “Referral Promotion.” You’ll then be prompted to give the name and phone number of the current Family First member that referred you. Once you’ve completed your application, a representative will reach out to finalize your new account. And that’s it!

Click here for membership eligibility. 

Program Incentives

Review the Refer-a-Friend Program incentives below to ensure you meet the requirements to earn your reward. If you have questions or concerns, reach out to a representative or contact us at [email protected].

Existing Members

When your friend or family member opens their new account at Family First, they’ll be asked to provide the name of their referrer. When the account has been opened successfully, you’ll receive a confirmation email letting you know your referral has been processed. Then you can just sit back and relax! Once the new account has been open for 60 days, $50 will be deposited into your account. Refer up to 5 new members to receive a total of $250.

New Members

Step 1: When you set up your Pinnacle Checking at Family First, not only will you be rewarded $25 but you’ll also earn 1.00% APY** on balances up to $10,000 so you can continue to earn year-round. Complete the four simple steps below within 60 days of your account opening to earn a $25 reward!

1. Open a Pinnacle Checking

Already opened a First Checking account? No problem! Contact a representative to have it converted with just the click of a button. Visit for details about our different checking account options!

2. Enroll in E-Statements

Once your account has been successfully opened, you’ll receive an onboarding email that, along with other important information, includes instructions to set up online banking and enroll in e-statements.

3. Set Up Direct Deposit

Set up Direct Deposit to your new account that totals a minimum of $250 during the month to qualify.

4. Set Up Bill Pay

Log in to online banking and select Payment Manager to register for Bill Pay. Never worry about a payment being late again with this easy-to-use and completely free service!

Step 2: Now that your Pinnacle Checking account is ready to go, it’s time to start spending! Approximately 7-10 days after your account opening, you’ll receive a new Family First VISA Debit Card in the mail. Use your new debit card at least 15 times within the first 90 days and we’ll reward you with another $50. It’s that easy!

Pro Tip: Download our free Mobile App to keep track of how many transactions you’ve made!

*Existing members can refer up to 5 new members, earning $50 for each totaling a maximum of $250. $50 will be deposited into the account owner’s primary savings after the new account has remained open for 60 days. Both accounts must be open and in good standing in order to receive the bonus. The new member must open a checking account to qualify as a new account.

**New members will receive $50 once they complete 15 debit card transactions within the first 90 days of the account opening. They will receive an additional $25 if they open a Pinnacle Checking account, enroll in e-statements, and set up direct deposit (totaling a minimum of $250 monthly) and Bill Pay within 60 days of the account opening.  Both accounts must be open and in good standing in order to receive the bonus.

Family First employees, as well as BuildingBlocks and FUNDamental accounts, are not eligible to participate in this promotion. Internal Revenue Service regulations require FFCU to report this bonus on a Form 1099-INT. Both parties will receive a Form 1099-INT and any applicable taxes are the responsibility of the account holder. Offer subject to change without notice and cannot be combined with any other offer. Available for a limited time only.

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