Free Checking Accounts

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Checking Accounts Made
Easy. Local. Free.

Local Free Checking – Plus $100

Looking for a local checking account with zero monthly fees, zero minimum balance requirements, and zero hassle? We think our free checking accounts are perfect for you. Plus, for a limited time, when you open a checking account and use it, we'll give you $100!

Here's How:

Circle with the number 1
Open a checking account using promo code FREE
Circle with the number 2
Use your debit card to make at least ten (10) purchases of $10 or more
Circle with the number 3
We'll give you $100!

Our Checking Accounts Feature:

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Monthly Fees

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Minimum Balance Requirements

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Checking for All Life's Stages

Rewards Checking
Great for those who want to earn interest and credit card points.
Free Checking
The no-fuss way to manage your money.
  • No monthly fee
  • No minimum balance requirement
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Convenient Mobile Banking App

Access your accounts, move money, and make payments – all from within our user-friendly mobile app.
It's like having a Credit Union in your pocket

Your Money is Safe

No credit union member has ever lost a penny of NCUA-insured money.

*Offer not available to existing or additional 1st United checking accounts. We reserve the right to retain incentive if checking account is closed within six months. Checking account and debit card establishment are subject to approval using a third-party consumer reporting agency. Members age 17 and under require an adult joint owner. Rewards Checking Account: Only available for members 18 and older. Dividends are paid monthly based on average daily balance, and 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 the last business day of each month. Click here for current rates. No monthly fee, but other fees may reduce earnings. Rewards Bonus: 1st United Visa Rewards account holders will receive a 50% bonus (1.5 points per dollar spent) on their Rewards points earned within the month 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. $100 incentive qualification: Earn $100 when you 1) open a new checking account using promotional code FREE; 2) make ten (10) signature or PIN purchases of at least $10 each with debit card within 60 days of account opening. Offer expires June 30, 2024 and is subject to change or withdrawal at any time. Cannot be combined with any other offer. Incentive will be credited on the 10th of the following month after all requirements are fulfilled. Insured by NCUA. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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Apply today if you live, work, or attend school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties.