![](https://firstus.org/images/hero/checking_003.webp)
Checking Accounts
Checking Accounts
You’re looking to make wise financial decisions on how you save and spend your hard-earned money. Our straightforward checking account options can meet you where you’re at, with the cash management tools you need to help you reach your goals. All our accounts include:
![](https://firstus.org/images/icons/checking/bullet1.png)
Unlimited fee-free transactions at 30,000+ CO-OP ATMs
![](https://firstus.org/images/icons/checking/bullet2.png)
Get paid up to 2 days early with direct deposit1
![](https://firstus.org/images/icons/checking/bullet3.png)
On-the-go account access with Online & Mobile Banking, Mobile Deposit and eStatements
![](https://firstus.org/images/icons/checking/bullet4.png)
Access your Credit Score for free and create personalized credit goals
![](https://firstus.org/images/icons/checking/bullet5.png)
Card Management and eAlerts: Prevent fraud and be in the know about account activity
Dividend Checking
Dividend Checking is an account tailored for members with higher balances, with tiered rates and value-added benefits to help you make the most of your money every day.
- $100 minimum to open account
- $10 monthly fee if minimum average daily balance of $2,500 is not maintained
- Earn dividends with tiered rates on balances $2,500 or more
- Four (4) automatic ATM surcharge rebates per month charged by other banks
- One (1) Free Box First U.S. Logo Checks at account opening
- Free First U.S. Visa® Debit Card
Essentials Checking
Essentials Checking is for individuals wanting to avoid potential money hassles from overdraft fees or who are looking for a 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. Benefits include:
- $0 minimum to open account
- No Minimum Balance Requirement
- $5 monthly fee
- No overdraft fees
- eStatements required
- Check transactions prohibited
- Free First U.S. Visa® Debit Card
![](https://firstus.org/images/checking/essentials_checking.png)
Youth Checking
Learning the basics of managing money is an important life skill to establish. Youth Checking offers members ages 13-17 a safe, stress-free way to grow confidence in financial decision making. Benefits include:
- $0 minimum to open account
- No minimum balance requirements
- A parent or legal guardian 18+ must be a joint owner
- No monthly service charge
- Free First U. S. Visa® Debit Card with parental controls – set ATM withdrawal and purchase limits
- 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.
- 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
- Paper statements available for $3 month. Please see Pricing Schedule for more details.
- APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Checking Rates for more details.