Earn up to $200!

Fremont branch

Local Banking for Local People

Open a free checking account and certificate account and earn up to $200!


Bank Local and Earn up to $200

With a Free Checking Account and High-Rate Certificate Account from 1st United

Resolve to bank local and save more money in 2023. It's the perfect time to go local with a free checking account and certificate account from 1st United.

We're so sure you'll love our free checking and high-rate certificate accounts that we'll pay you up to $200 to open and use them.

It's Easy to Bank Local

  1. Open a checking account with promo code LOCAL
  2. Set up a monthly direct deposit of $500 or more
  3. Use your debit card to make at least five qualifying purchases
  4. We'll give you $100!

It Pays More to Bank Local

Earn even more when you add a certificate account. Here's how:
  • Open a new certificate account and deposit up to $5,000 and we'll give you $50
  • Deposit more than $5,000 and we'll give you $100

Circle with debit and credit card icon

Open a checking account with promo code LOCAL and use it.

Earn $100

Circle with piggy bank icon

Open a certificate account and deposit up to $5,000.

Earn additional $50

Circle with wallet and money icon

Deposit more than $5,000.


Earn additional $100

More Reasons to Bank Local

Choose Local

Bank local with a Credit Union you can trust. Open an account online today or stop by any of our branches. We'd love to see you.

Hurry! This offer ends March 31, 2023.

Offer not available to existing or additional 1st United checking accounts. Must open a checking account and complete all the requirements to qualify for additional certificate account incentives. We reserve the right to retain incentive if certificate account is closed early and/or 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. Earn up to $200 incentive qualification: Earn $100 when you 1) open a new checking account using promotional code LOCAL; 2) establish a qualifying monthly direct deposit of $500 or more within 60 days of account opening; 3) make five (5) signature or PIN purchases of at least $10 each with debit card within 60 days of account opening. Earn additional incentive when you also open a new certificate account within 60 days of opening your checking account. Certificate deposits up to $5,000 will earn a $50 bonus, certificate deposits over $5,000 will earn $100. Total incentive up to $200. A qualifying direct deposit needs to be an electronic deposit of your paycheck, pension or government benefit (such as Social Security) from your employer or the government. Offer is subject to change or withdrawal at any time. Incentive will be credited on the 10th of the following month after all requirements are fulfilled, beginning April 10, 2023. 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.