Checking Accounts
Built for clarity.
Feel confident using your money, every day.
Let’s keep spending accounts simple, transparent, and easy to manage so you can move forward without second guessing.
Benefits that all our checking accounts offer.
Your checking account is where everything starts: your paycheck, your bills, your day-to-day decisions. When it works well, everything feels a little easier.
Use your money freely
Enjoy free transactions at 30,000+ co-op ATMs.
Get paid up to two days early
Get early access to direct deposit, and don’t wait on your own money.1
Get alerts about your accounts
Set up custom eAlerts to prevent fraud and monitor account activity.
Move money with ease
Transfer money through Zelle®, Bill Pay, or external accounts.
Online & mobile banking
Get on-the-go account access with the First U.S. app.
Debit card with mobile wallet
Manage your card digitally from your phone and pay like you would with your plastic card.
Find the checking account that actually fits.
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Best for…
Best for…
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No minimum opening deposit
No minimum opening deposit
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No minimum balance
No minimum balance
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No monthly fee
No monthly fee
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Earn dividends
Earn dividends
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Visa® Debit Card
Visa® Debit Card
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Checks
Checks
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eStatements
eStatements
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Most popular:
Better Than Free Checking
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Best for…
Confidently manage money without unexpected fees
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No minimum opening deposit
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No minimum balance
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No monthly fee
None with eStatements or for members 60+
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Earn dividends
1.00% APY on the first $5004
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Visa® Debit Card
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Checks
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eStatements
Required to waive monthly fee
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Dividend Checking
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Best for…
Make the most of your money everyday with tiered rates
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No minimum opening deposit
$100
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No minimum balance
$2,500 average daily balance to avoid monthly fee
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No monthly fee
$10 if minimum balance isn’t maintained
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Earn dividends
Tiered dividend rates on balances of $2,500 or more
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Visa® Debit Card
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Checks
One free box at account opening
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eStatements
Optional
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Essentials Checking
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Best for…
Minimize money hassles with no surprise fees.
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No minimum opening deposit
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No minimum balance
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No monthly fee
$5
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Earn dividends
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Visa® Debit Card
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Checks
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eStatements
Optional
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Youth Checking
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Best for…
For teens aged 13-17 to learn how to handle money independently
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No minimum opening deposit
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No minimum balance
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No monthly fee
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Earn dividends
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Visa® Debit Card
Included with parental controls
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Checks
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eStatements
Optional
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See our checking account rates.
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APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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APY* 1.00% |
Rate 0.995% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends Up to $500 with direct deposit |
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Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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Balance $0-$19,999.99 |
APY* 0.05% |
Rate 0.050% |
Minimum Balance to Open $100 |
Minimum Balance to Earn Dividends $300 |
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Balance $20,000-$49,999.99 |
APY* 0.08% |
Rate 0.080% |
Minimum Balance to Open $100 |
Minimum Balance to Earn Dividends $20,000 |
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Balance $50,000-$99,999.99 |
APY* 0.10% |
Rate 0.150% |
Minimum Balance to Open $100 |
Minimum Balance to Earn Dividends $50,000 |
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Balance $100,000+ |
APY* 0.15% |
Rate 0.150% |
Minimum Balance to Open $100 |
Minimum Balance to Earn Dividends $100,000 |

Certified Good
Essentials Checking is for those wanting to avoid potential money hassles from overdraft fees or who are looking for second chance checking. This account is Bank On Certified by the Cities for Financial Empowerment to encourage the widespread availability of safe, low-cost transactional products.
Let’s get started.
Megan TI have been banking at First U.S. since I was 17 years old and my family also does their banking here. Staff is always friendly and willing to help. I would definitely recommend this Credit Union to anyone looking for assistance with their financial needs.
Disclosures
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1Early access to your direct deposit of funds is not guaranteed and is dependent on individual’s payroll. We generally make direct deposits available up to 2 days earlier than the payment date specified.
2Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must be 18 years or older
3Paper statements available for $3 month. Please see Pricing Schedule for more details.
4APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Checking Rates for more details.