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Checking Accounts

The First U.S. Difference: Your Checking Account Should Be As Unique As You Are. Let us help you choose the one that’s right for YOU.

Enjoy unlimited checkwriting privileges and convenient access by phone, computer, ATM or in person. One of our many checking options is sure to meet your needs.

Checking accounts offer:

  • FREE Online Banking
  • FREE Bill Payment
  • FREE e-Alerts to give you maximum control over your accounts
  • Get paid a day early with Direct Deposit
  • UNLIMITED ATM access at over 30,000 CO-OP Network ATMs
  • FREE full-service ATM and branch access at more than 6,900 Shared Branching locations

Better Than FREE Checking

It's FREE Checking. Just Better. One of our most popular checking accounts, Better Than FREE Checking gives you unlimited check writing with no monthly service charge, no minimum balance and no direct deposit requirements. PLUS:

  • FREE Checks
  • FREE 1% cash-back VISA® Debit Card
  • 2 FREE non-First U.S./CO-OP Network ATM transactions every month
  • 1 FREE ATM surcharge rebate every month
  • FREE first NSF fee waiver, and MORE

Money Market Checking

Is flexibility your middle name? If you keep a high balance and want to earn interest like a Money Market account yet still have all the flexibility and access of a checking account, our Money Market Checking account offers the best of both worlds.

  • No monthly fee when you maintain a minimum balance of just $5,000; otherwise $10.00
  • Dividends are paid on any day during the month if balance remains $5,000 or more
  • Tiered rates so the higher your balance, the more you earn
  • FREE cashiers checks and corporate checks

Dividend Checking

Want to get more out of your checking account? The power of the dividend means you get more value for your money with First U.S.! Earn interest on your checking even with a low minimum balance. This checking account earns dividends, PLUS gives you:

  • $100 minimum to open
  • $300 minimum balance to earn dividends
  • No monthly fee when you maintain a minimum balance of just $500, or $2,000 in aggregate deposits (same member number) or age 60+; otherwise $7
  • 4 FREE transactions at non-First U.S./CO-OP ATMs every month

Access Checking

Prefer the convenience of 24-hour banking? Access Checking offers convenient account access by phone and computer, plus the advantage of FREE transactions at thousands of ATMs across the country. Unique checking for those who don’t need the bells and whistles, this account gives you easy access to your money – plain and simple. Direct deposit is required.

  • No minimum balance
  • No monthly service charge
  • Unlimited FREE Transactions at First U.S. and CO-OP Network ATMS, all other $2.00 per transaction

Student Access Checking

The perfect way for our young Members to begin establishing proper money management skills and discover the many benefits of credit union membership, is with a Student Access Checking account. If you're a full or part-time student, you can enjoy the same great benefits as Access Checking, even if you're unable to have direct deposit. What’s in it for you?

  • No minimum balance
  • No monthly service charge
  • Unlimited FREE Transactions at First U.S. and CO-OP Network ATMS, all other $2.00 per transaction

Classic Checking

Our customer service is the difference. If you prefer to conduct business face-to-face instead of electronically, Classic Checking offers the friendly in-person service that many large financial institutions no longer provide. We all love our technology, but sometimes a friendly face and knowledgeable expert is what we need when we have questions about our money.

  • No monthly fee when you maintain an average daily balance of just $300 or age 60+; otherwise $5
  • Classic Checking does not include unlimited CO-OP Network ATM access
  • 4 FREE transactions at non-First U.S./CO-OP ATMs every month

Ultimate Checking

For those who want it all! You'll earn our highest rate for checking funds with Ultimate Checking. Ultimate Checking delivers the most value for your dollar with full-service access to your accounts 24-hours-a-day at more than 250 deposit taking ATMs throughout California. Make deposits, transfer funds, make loan payments, withdraw cash and more.

  • No monthly fee when you maintain a minimum balance of just $50,000; otherwise $15.00
  • Dividends are paid on any day during the month when balance remains $50,000 or more
  • FREE cashiers checks and corporate checks
  • FREE 1st box of Logo checks

Reorder Checks

When it’s time to reorder, or if you simply want to change your look, it’s easy with Harland Clarke, our check partner.

  • Reorder checks with just a few clicks
  • Browse the catalog to customize your look to fit your style or your mood
  • Check out the convenient accessories like return address stamps, and high-end checkbook covers