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First Choice America offers free checking to its membership.

The annual percentage yields (APYs) are accurate as of the last dividend declaration date and are subject to change at any time.

Checking Account Rates

April 1, 2012

Average Daily Balance



$ 40,000.00  -   And Over 



        500.00  -   39,999.99

.050% .05%
  • No per check fee

  • No monthly service charges

  • Free overdraft protection from Savings or Vacation Club

  • Dividends are compounded and credited monthly on average daily balance of $500 or more.

  • One order of standard checks free each year to accounts with direct deposit of entire check

  • Subject to consumer report approval

Attention Debit Card Users:
Learn more about overdrafts and overdraft fees, by clicking the following link:  Overdrafts and Overdraft Fees.  You may print this form, sign it, and mail it back to the credit union for overdraft authorization.

Courtesy Pay:

  • Covers inadvertent overdrafts
  • Saves embarrassment of checks being returned to merchants 
  • Saves non-sufficient fund fees from the merchant and late charge fees
  • Your check(s), ACH debits, and Billpayer Payments may be paid, even if the funds are not available, up to $350
  • Your account may be allowed to go negative up to an initial limit of $350.
  • A “worry-free” service available as long as negative balances are promptly restored to a positive balance
  • No one need ever know that your account was overdrawn  

Instead of a non-sufficient fund fee, a service fee of $30 will be deducted from your checking balance for each overdraft occurrence that the Courtesy Pay protects.  Fees are included in the $350 limit and reduce overdraft protection dollar limits.  The order in which transactions are received and processed can affect the total amount of Courtesy Pay fees assessed.  The Credit Union processes items in the order in which they are received.

Available to accounts in good standing.  This is not a loan.  This is a non-contractual courtesy which can be withdrawn at any time by the Credit Union.  Courtesy Pay will not apply to over the counter checks or withdrawals, ATM withdrawals or transfers, Debit Card transactions, First Choice America Online withdrawals and transfers, and 24 Hour Transaction Line withdrawals and transfers. 

ATM Card

Access your money 24 hours a day, 7 days a week with our ATM Card. Learn more, by clicking the following link: ATM Cards

VISA Check Card

Access your checking account with a VISA Check Card.  This card can be used anywhere a VISA Credit Card is accepted and at ATMs.  There is no need to carry your checkbook with you while shopping. Use your VISA Check Card to pay for your purchases.  Purchases with your VISA Check Card are automatically deducted from your checking account.  Stop by your nearest office to apply for a VISA Check Card. (Subject to credit approval) 

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