Checking accounts used to be about paper checks, long teller lines and pens on chains. But we’ve come a long way!

1st United has invested in the technologies that we think are important to simplify your life. Things like online banking, mobile bankingmobile check deposit and paperless statements and notices. You can track and categorize your spending using money manager, setup your bills to be paid automatically using bill pay or receive instant text messages if we suspect fraud on your debit or ATM cards. 

And the best part is, it’s all included free with your 1st United checking account.

Compare our options and choose the account that’s right for you:

Checking Choices Free Checking Interest Checking Rewards Checking
Earns Tiered Dividends No Yes Yes
Monthly Fee No No, with balance requirement No
Earns up to double Visa Platinum Rewards Points No No Yes
Bill Pay Free Free Free
Online Banking Free Free Free
Mobile Banking Free Free Free
Mobile Deposit Free Free Free
eDocuments Free Free Free
Free Checks Available to order First box free Available to order
Free ATMs 30,000 30,000 30,000
Free FICO® Score Access Yes Yes Yes
Courtesy Pay Yes Yes Yes
Courtesy Fee Reversal No $29/year $29/year

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APYs (Annual Percentage Yield) as of March 1, 2021 and are subject to change without notice. Dividends are paid monthly based on average daily balance. Fees could reduce actual earnings. Checking account and debit card establishment are subject to approval through a consumer reporting agency. Members age 17 and under require an adult joint owner. Courtesy pay is subject to the Credit Union's discretion, account must be in good standing and meet conditions as defined in the Credit Union's discretionary courtesy pay practices, which will be provided at account opening. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Rewards Checking: Dividends will only be paid if the combined total of debit and credit card purchase transactions reaches 15 or more within the month. All qualifying transactions must post to the account and the funds must be available to fund the transaction by 3:00 p.m. on the last business day of each month. Rewards Checking bonus: 1st United Visa Rewards account holders will receive a 50% bonus (1.5 points per dollar spent) on their Rewards points if they perform 15–29 combined debit and/or credit card purchase transactions or a 100% bonus (2 points per dollar spent) if they perform 30+ combined debit and/or credit card purchase transactions. Bonus will be credited in the subsequent Visa cycle.

Interest Checking: A $1,000 average monthly balance or a $10 monthly fee applies.