First Credit Union Rewards Checking Account |
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| Free Rewards Checking |
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On your balance up to $25,000 |
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On your balance over $25,000 |
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if requirements are not met |
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| First Credit Union is proud to introduce Rewards Checking. With Rewards Checking, First Credit Union members are able to earn 4.01% APY* on balances up to $25,000, and receive ATM fee refunds up to $25** per qualifying cycle
by simply meeting a few requirements each month. |
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Rewards Checking offers:
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Earn Reward Rates of 4.01% APY* on balances up to $25,000 |
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No monthly service charge |
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No minimum balance required |
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Free eTeller account access |
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Free online Bill Pay up to 20 transactions per month |
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Free online statements |
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Unlimited check writing |
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PLUS free ATMs nationwide!** |
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| Earn Reward Rates |
| Simply use the following services each qualifying cycle to earn Rewards Rates: |
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Be enrolled in eStatements instead of paper statements |
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Login to eTeller online access at least once |
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Make at least one electronic deposit or withdrawal (includes direct deposit or direct debit) |
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Make at least 12 purchases using your Visa® debit cards |
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Earn Rewards Rates of 4.01% APY* on balances up to $25,000. Balances over $25,000 earn 1.01% APY*. If during any given month you don’t use all of the services as listed above, you won't receive ATM free refunds, but you’ll still earn 0.10% APY* and you’ll still enjoy all the benefits of this great account. Please read Rewards disclosure.
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| Get Rewards Checking Today! |
| Want Rewards Checking? Open a new Rewards Checking account or convert your existing Preferred Checking account by stopping in at any branch or calling (480)831-2645 or toll-free (800)732-6946. |
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*4.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 1.01% APY paid on all amounts above $25,000 each qualifying cycle the minimum requirements are met. If you do not meet the requirements per qualifying cycle, your account will still function as a free checking account earning 0.10% APY, however, it will not receive ATM refunds for that time period. APY as of March 1, 2008. APY, rate, and terms are subject to change without notice. No Minimum Balance Required in checking account. Available to Personal Accounts only. Must qualify for preferred checking. No monthly service charge. $5 minimum balance in a savings account required for membership. Please see account disclosure for additional details.
**ATM refunds up to $25 per qualifying cycle if requirements are met. |
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| Did You Know |
| Courtesy Pay Overdraft |
| We can help you avoid costly returned check fees from retailers (and the embarrassment that goes with it) with Courtesy Pay Overdraft (CPO). After all your pre-established overdraft protection options have been exhausted, rather than automatically returning your non-sufficient fund items as unpaid, we will consider, without obligation on our part, payment of your reasonable checking account overdrafts. |
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| Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Refer to the CPO policy for details. A $25 fee will be charged for the payment of each overdraft, as set forth in our fee schedule. The $25 fee is imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by electronic means, as applicable. Overdrafts must be repaid in 45 days or your account may possibly be closed. |
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| How to Join |
Simply fill out a membership application agreement form provided here online or at your local branch. Once you have completed your application, just bring or mail it to the nearest First Credit Union office along with:
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Minimum deposit of $5 for a savings account. Please bring a copy of your driver's license and a secondary form of identification. |
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You may also open your account by arranging for a payroll deduction, net pay deposit, or a direct deposit through your payroll department. |
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| Add a New Account |
| If you currently have a First Credit Union account and would like to add an additional account please complete the following: |
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Complete a First Credit Union "New Account Request" application. Once you completed your application you can bring or mail it to the nearest First Credit Union office. |
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More Checking 
