Checking & Savings FAQs

Routing number is 321175481.

eStatements are delivered faster and in an easy-to-read format, and you’ll have instant access to archived statements for up to 36 months instead of having to sift through paper records. They’re also more secure — going paperless helps protect your personal information from sitting in an unsecured mailbox, lowering your risk of identity theft — and you can view them anytime, anywhere you have internet access. As a bonus, enrolling in eStatements also helps you avoid the monthly service charge on Better Than Free Checking account.

With direct deposit, First U.S. generally makes your funds available up to 2 days earlier than your actual payment date, so you get paid before payday. It also means no trip to the branch, no lost or stolen checks, and your money lands in your account automatically every pay period, whether you’re on vacation or just don’t want to think about it.

Better than free – No minimum balance requirement.
Dividend Checking – $2500 minimum balance to avoid 10$ monthly fee. No minimum balance requirement for the account to remain open.

Yes, these accounts offer overdraft protection options such as using a savings account, credit card, or line of credit options to cover insufficient balances in your checking account. We also offer courtesy pay, which is an eligibility-based service, and ask a team member about this service.

Yes. You can have your paycheck or other recurring deposits sent directly to your checking account using your account and routing numbers.

One Smart Start account per eligible member.

Dividends are typically calculated daily and paid monthly. Please refer to our current rate schedule for the latest dividend information

Both help you save money, but Money Market Accounts typically offer higher dividend rates with higher balance requirements and may provide additional access to your funds.

If you’ve enrolled in overdraft protection, available funds from your eligible savings account may automatically transfer to your checking account to help cover transactions. Terms and fees may apply.

Your share insurance coverage may vary depending on the type of account you have and how it’s owned. To learn more about your coverage and how your funds are protected, please click the link below.
mycreditunion.gov/protect-your-money/share-insurance/share-insurance-estimator

A Share Certificate is a savings product that earns a fixed dividend rate for a specified term. Early withdrawals may be subject to penalties.

Yes. You can choose to have your certificate dividends or interest deposited into another eligible account, such as your Prime Savings or checking account. Simply designate the account where you would like the dividends or interest payments to be transferred.

Yes. At maturity, you can choose to have the certificate proceeds deposited into another eligible deposit account, such as your checking or savings account. Simply designate the desired account to receive the funds when the certificate matures.

Your promotional certificate account will automatically renew into the nearest regular certificate term at the current standard rate available on the maturity date, unless you have designated another deposit account or certificate account for the proceeds.

Regular certificates automatically renew into the same term unless the member selects another option.

A Regular Certificate is a non-retirement savings product. An IRA Certificate is designed for retirement savings and is subject to IRS regulations and contribution limits. For more information about IRA Certificates and retirement account options, please visit our Retirement Center

Withdrawing funds before your certificate matures may result in an early withdrawal penalty. The penalty will reduce earnings and may also reduce the principal balance. Please contact us for additional information.

You must be at least 18 years old and covered by a qualifying High Deductible Health Plan (HDHP). You cannot have Medicare, another non-HDHP health plan, or be claimed as a dependent on someone else’s tax return.

An HSA offers tax advantages, lets unused funds roll over year after year, and remains with you if you change jobs, move, or switch financial institutions. After age 65, you can also use HSA funds for non-medical expenses without penalty.

No! There’s no “use it or lose it” rule. Unused funds stay in your HSA and can continue growing tax-free until you need them.

Your HSA is yours to keep. Changing jobs, moving, or switching financial institutions does not mean giving up the funds in your account.

Yes. Keep receipts for HSA purchases and withdrawals, since withdrawals must be for qualified medical expenses.