1. Personal
  2. Checking

Checking Accounts

Built for clarity.

person at farmers market

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.

ATM

Use your money freely

Enjoy free transactions at 30,000+ co-op ATMs.

Dollar Bills

Get paid up to two days early

Get early access to direct deposit, and don’t wait on your own money.1

Notice

Get alerts about your accounts

Set up custom eAlerts to prevent fraud and monitor account activity.

Money Transfer

Move money with ease

Transfer money through Zelle®, Bill Pay, or external accounts.

Mobile Phone

Online & mobile banking

Get on-the-go account access with the First U.S. app.

Debit or Credit Card

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.

  • Best for…

    Best for…

  • No minimum opening deposit

    No minimum opening deposit

  • No minimum balance

    No minimum balance

  • No monthly fee

    No monthly fee

  • Earn dividends

    Earn dividends

  • Visa® Debit Card

    Visa® Debit Card

  • Checks

    Checks

  • eStatements

    eStatements

  • Best for…

    Confidently manage money without unexpected fees

  • No minimum opening deposit

  • No minimum balance

  • No monthly fee

    None with eStatements or for members 60+

  • Earn dividends

    1.00% APY on the first $5004

  • Visa® Debit Card

  • Checks

  • eStatements

    Required to waive monthly fee

  • Learn More

Dividend Checking

  • Best for…

    Make the most of your money everyday with tiered rates 

  • No minimum opening deposit

    $100

  • No minimum balance

    $2,500 average daily balance to avoid monthly fee

  • No monthly fee

    $10 if minimum balance isn’t maintained

  • Earn dividends

    Tiered dividend rates on balances of $2,500 or more

  • Visa® Debit Card

  • Checks

    One free box at account opening

  • eStatements

    Optional

Essentials Checking

  • Best for…

    Minimize money hassles with no surprise fees.

  • No minimum opening deposit

  • No minimum balance

  • No monthly fee

    $5

  • Earn dividends

  • Visa® Debit Card

  • Checks

  • eStatements

    Optional

Youth Checking

  • Best for…

    For teens aged 13-17 to learn how to handle money independently

  • No minimum opening deposit

  • No minimum balance

  • No monthly fee

  • Earn dividends

  • Visa® Debit Card

    Included with parental controls

  • Checks

  • eStatements

    Optional

See our checking account rates.

Better Than Free Checking

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate.
Rates and terms effective November 12, 2026 and are subject to change without notice.

APY*

1.00%

Rate

0.995%

Minimum Balance to Open

$0

Minimum Balance to Earn Dividends

Up to $500 with direct deposit

Dividend Checking

Balance

APY*

Rate

Minimum Balance to Open

Minimum Balance to Earn Dividends

*APY = Annual Percentage Yield. Rate = Dividend Rate.
Rates and terms effective November 12, 2026 and are subject to change without notice.

Balance

$0-$19,999.99

APY*

0.05%

Rate

0.050%

Minimum Balance to Open

$100

Minimum Balance to Earn Dividends

$300

Balance

$20,000-$49,999.99

APY*

0.08%

Rate

0.080%

Minimum Balance to Open

$100

Minimum Balance to Earn Dividends

$20,000

Balance

$50,000-$99,999.99

APY*

0.10%

Rate

0.150%

Minimum Balance to Open

$100

Minimum Balance to Earn Dividends

$50,000

Balance

$100,000+

APY*

0.15%

Rate

0.150%

Minimum Balance to Open

$100

Minimum Balance to Earn Dividends

$100,000

BankOn

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.

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Over the phone
Contact us

I 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.

Megan T

Disclosures

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.

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