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Checking & Savings  /  Checking  /  First Down Checking

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Your benefits-packed teammate for everyday expenses

Discover protective and money-saving benefits, Powered by BaZing

Roadside assistance, cell phone protection, health savings, thousands of online deals with name-brand retailers, savings on hotels and car rentals, and more!

Open Account

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Debit Card Benefits


Fee-Free ATMs

Withdraw cash from 42,000+ surcharge-free ATMs nationwide. Learn More

Tap to Pay.

Tap to Pay

Use your card or phone with Google Wallet, Apple Wallet®, and Samsung Pay.

Advanced Card Controls.

Advanced Card Controls

Limit spending by location, transaction type, spend limits, and more!

Courtesy Pay & Overdraft Protection

Avoid excessive overdraft fees and getting declined at the register.¹ Learn More

Save Automatically

Open a Change-Up Savings to round up your purchases & deposit the difference for a great rate. Learn More

Additional Benefits


Powered by BaZing

Over 450,000 discounts and special offers on goods and services you frequently use, where you live, work or travel. Learn More

Early Pay

Receive your paycheck or benefits up to two days early! Learn More

Earn Cash Back

Your checking and debit card can help you qualify for Member Loyalty Cash! Learn More

Minimum Opening Deposit

$100

Minimum Balance Requirement

None

Monthly Fee

$6

Checks

Compare Checking Accounts

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24/7 access to your accounts with digital banking!

Link External Accounts.
Link External Accounts

Connect your accounts from other financial institutions to see everything in one place.

Track Your Spending.
Track Your Spending

Use Spending Analysis and Spend Forecast to simplify how you manage your money.

Automate Monthly Bills.
Automate Monthly Bills

Schedule payments to financial institutions, companies, and individuals with Bill Pay.²

More Features ⇒

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Alliance One ATM Locator App.

Worried about getting charged a fee at the ATM?

We’ve partnered with Alliance One and MoneyPass® to bring you access to over 42,000 surcharge-free ATMs nationwide.

Find an ATM with the Alliance One Web Locator, MoneyPass Web Locator, or download the Alliance One ATM Locator mobile app:

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Envelope Budgeting.

Envelope Budgeting

Whether cash or a digital, the envelope budgeting method is guaranteed to help you manage finances like a pro.

Learn More 3 MIN READ

Tracking Your Joint Expenses.

Tracking Your Joint Expenses

When you share your life with a partner, you're sharing your finances too.

Learn More 5 MIN READ

4 Tips for Using Peer-to-Peer Payment Apps.

4 Tips for Using Peer-to-Peer Payment Apps

Peer-to-peer payment apps are convenient, but they aren’t without pitfalls. Learn about potential problems before you hit “Send.”

Learn More 3 MIN READ

Some restrictions apply. See current fee schedule.

[1] Courtesy Pay & Overdraft Protection: Member must apply and meet qualification criteria. Fees may apply, see fee schedule.

[2] Bill Pay: Member must opt-in within digital banking. Fees may apply, see fee schedule.