Open a Better Than Free
Checking with eStatements and
get a $300 cash bonus*
Better Than Free Checking delivers the confidence you deserve, without the burden of unexpected fees.
Get all the features you want in a checking account:
$0 minimum to open account, $0 minimum balance requirement and $0 monthly fee1
Earn 1.00% APY on first $500 in balances2
Unlimited fee-free transactions at 30,000+ CO-OP ATMs, and get two (2) automatic ATM surcharge rebates per month
Get paid up to 2 days early with direct deposit3
For a limited time, open your account with direct deposit, and we’ll deposit $300* into your account to show our appreciation.
Manage your account with ease
First U.S. debit and credit cards are easy to control on the go with online tools that let you adjust usage, set alerts, and stay informed, so you can manage your money with confidence.
On-the-go account access with Online & Mobile Banking, Mobile Deposit and eStatements
Access your Credit Score for free and create personalized credit goals
Card Management and eAlerts: Prevent fraud and be in the know about account activity
Open your account today for easier, everyday card management.
*Cash bonus offer valid until June 30, 2026, when a new Better Than Free checking account is opened with a direct deposit of $500 or more within 90 days. Account can be opened at a First U.S. branch, online or via phone using code promo code BTF300. Must qualify for membership. Offer is limited to one per member and account. Offer is not available for existing First U.S. members. Cash bonus will be reported to the IRS for tax purposes. Offer can be changed or canceled without notice at any time. Please up to four weeks for bonus deposit after we verified the direct deposit or after you qualified. Your account must be open, in good standing and have a balance greater than zero when the cash bonus is paid. Deposits processed as a debit card credit or via Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers do not qualify.
1. No monthly service charge with eStatements or for members 60+. Paper statements available for $3 per month. Please see Pricing Schedule for more details.
2. APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Rates page for more details.
3. Early 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.
4. Zelle 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
*APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Checking Rates for more details.
Federally Insured by NCUA