First Choice America Community Federal Credit Union

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Mobile Deposit

Mobile Deposit is now available. You will be able to deposit checks through your mobile device. We are excited to offer this to our members as another convenient service from your Credit Union. Please review our frequently asked questions below to see how this new service works.


What is Mobile Deposit?
Mobile Deposit is a remote deposit service that allows you to make check deposits into your Share Account, from the convenience of your home or other remote locations, using your mobile device. Original checks are scanned and the digital image is delivered to First Choice America Community Federal Credit Union. Upon receipt of an image, it will be reviewed for acceptability.


How do I access the Mobile Deposit service?
To access Mobile Deposit, you must first enroll in First Choice America’s online internet banking service. After enrolling in internet banking, you will need to obtain the First Choice America Mobile App for your mobile device. The option for mobile deposit is located within the Mobile App.


What type of checks may be deposited using Mobile Deposit?
We generally accept checks drawn on U.S. Banks and payable to you. There is a list of checks that are not eligible for deposit through Mobile Deposit, such as Cashier’s checks, US Treasury checks, money orders, savings bonds, etc. A complete list of ineligible items is found in the Mobile Remote Deposit Terms and Conditions Agreement on the Mobile Banking App. It can also be found on our website.


What is the best way to capture a check image?
To obtain a clear and acceptable image, please place the check on a dark background before taking the photo. Take the photo in a well-lit area and avoid shadows across the check. Keep your phone flat and steady above the check when taking the photo and be sure to include the entire check in the photo frame.


How must the check be endorsed to be accepted for deposit?
Original checks must be properly endorsed by you. Endorsements must be made on the back of the check and must include your signature AND the words “FOR FCA MOBILE DEPOSIT ONLY”. It is also best practice to include your account number.
Checks payable to two payees must be endorsed by both payees. All payees on a check must also be account holders.

endorsed check


Are there limits to the amount that may be deposited through Mobile Deposit?
There is a daily dollar limit of $1,000.


When will funds be available if deposited using Mobile Deposit?
The first $225 of the funds deposited using the service will generally be made available the next business day after the day of the deposit. The remaining funds will generally be made available no later than two business days from the day of the deposit. The Credit Union, in its sole discretion, may extend the hold period beyond two business days for various reasons described in the Terms & Conditions. If the availability of funds exceeds two days, you will receive a notice advising you of the day funds will be made available.


Is there a cut-off time for making Mobile Deposits?
Image item deposits initiated through the system before 2:00pm ET on a business day, are posted to the member’s account the same day, subject to funds availability. In the event that we receive an image item from you after 2:00pm ET, or on a day that is not a business day, the image item is considered as received by us at the opening of the next business day. For the Mobile Deposit program, a business day is described as Monday through Friday, except for Federal holidays.


What happens to the original check?
You must safely store the original check for 30 days once you have confirmation that the deposit was accepted. After 30 days, the original check must be shredded.

Please refer to the following link: Mobile Remote Deposit Terms and Conditions Agreement for more terms and conditions governing Mobile Deposit. You may reach us by telephone at 304-748-8600 or inquire in person at one of our eight locations.

*Restrictions do apply.   First Choice America Community Federal Credit Union reserves the right to deny access to this service. For full terms please click on the following link:  Mobile Deposit Terms and Conditions Agreement.

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2023 Coloring Contest

April is “Teach Your Child to Save Month!” We strongly encourage all children to save. It is never too early to start saving! To celebrate “Teach Your Child to Save Month,” First Choice America is having a Coloring Contest! The contest is for Kindergarten through 4th Grade. The sheet can be downloaded from this page and then will need to be sent back to the Credit Union either by mail or at any of our eight locations. If you choose to send it in by mail, please send it to: First Choice America Credit Union, Attention: Marketing, 3501 Main Street, Weirton, WV 26062. To enter, on the back of the sheet please put your child’s name, grade level (K, 1, 2, 3, or 4) and phone number. The contest ends on April 30th.

2023 Coloring Sheet

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Switch and Save

switch and save logo

Switch and Save at First Choice America just got better! Now when you finance your vehicle loan with First Choice America you will get $250 cash back! We strive to give our members better value for their money with our great low rates, affordable terms, no application fees and now $250 back in their pockets!

*All loans subject to credit approval. $250 cash applies only to approved vehicle and motorcycle loans. Terms and rates not available for purchase or refinance of commercial use vehicles. This $250 cash offer is good for 2016-2024 vehicles on approved new loans or refinanced loans from other financial institutions. $250 cash may be subject to income tax and reimbursement if the loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change without notice. Federally insured by NCUA.  Membership eligibility required.

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First Choice America Succeeds

First Choice America Awards Community Spirit Award

A highlight of the annual meeting of First Choice America Credit Union on Tuesday night was the presentation of the annual Community Spirit Award to the Salvation Army of Brooke and Hancock County.  This non-profit organization supports the community by assisting those in need with clothes, food, and necessities.  The organization received a beautiful plaque and a cash award of $2,500. Pictured are the credit union’s Board of Directors and the award winner (l-r) Edward L. Kennedy, John R. Thayer, Captain Gene Hunt, Salvation Army; Scott E. Winwood, Kenneth W. Truax, and Robert G. Mrvos.

WEIRTON—First Choice America Credit Union continued to make significant progress in 2022, our 83rd year, amid tough competition, economic uncertainty, record inflation and a volatile interest rate environment.  The Credit Union steadily moved forward buoyed by the excellent performance of a committed employee team and the tremendous support and loyalty of its 36,000 members who remain the bedrock of our business.

Scott E. Winwood, President and CEO, said “Our employee team worked diligently to maintain a safe, sound and secure financial institution for its members.”  He listed these significant financial achievements in 2022:

  • Earned another “Superior” rating.
  • Grew assets to a record $595 million.
  • Expanded deposits to a record $512 million.
  • Preserved a strong capital position.

“Our Credit Union’s capital strength, asset quality and management ability help maintain our enviable position as one of the very elite among America’s nearly 5,000 credit unions,” Winwood stated.  

These impressive achievements reflect the sincere commitment to success of the Officials, Management, and Staff of First Choice America.  Our employee team is professional and highly skilled, dedicated to excellence in serving our members, and very proud of the significant strides made during the past year.

In our quest to offer the best available technology, First Choice America updated our online and mobile banking solutions which provided additional enhancements while maintaining the mobile experience that our members trust.  Via our mobile banking APP, our members can take us anywhere they go and have access to their accounts 24 hours a day, 7 days a week.  In the future, we intend to continue maximizing our investments in technology to better serve our members and strengthen our position in a very competitive marketplace.                         

While keeping pace with the latest technology, we still continue to offer our members better rates on loans and deposits, more personalized service, and importantly, fewer fees than other financial institutions.  We are proud to report that no new fees were enacted during the past year, nor any adjustments made to our long list of member benefits.

With fewer fees, better rates, more personalized service, and a full array of financial products and services, your membership in First Choice America gives you a meaningful financial advantage – “better value” for your money.

The formidable combination of a dedicated professional staff, excellent technology, and a complete array of affordable financial products and services positions us to continue making a real difference in the financial lives of the people we serve.

Our Credit Union strives to embrace the merits of good citizenship by generously supporting a wide range of charitable organizations in the communities that we serve.  Throughout our long history, our Credit Union has earned countless awards and commendations for our intensive year-round community involvement practices which we are very proud and sincerely grateful.  We strive to embrace the merits of good citizenship – and expand our value to society.

Concluding, he noted “First Choice America is proud of our rich heritage of serving our members and the communities in which they live since our beginning in 1939.  We have established strong bonds with our members by providing the most cost-effective alternative for all their financial needs.  We value and cherish these bonds, and are grateful to our members for their loyalty.  We will never cease in our efforts to earn both your business and your trust.  We remain a safe haven, a reliable resource, and a leader that you can count on for all your financial needs, both today and tomorrow.  We appreciate your business and welcome the opportunity to serve you.”

During the meeting, Edward L. Kennedy and John R. Thayer were reelected to the Board of Directors.  Richard Schaffer, President of the West Virginia Credit Union League, spoke briefly.

Founded in 1939 in Weirton, First Choice America maintains eight offices in the Ohio Valley.

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Certificate Specials

First Choice America is offering certificate specials on our 7 month and 15 month certificates.

Check out all of our rates under our certificate page.

7 month 5.12%APY*

15 month 5.22%APY*

Rate effective 3-4-24. Rates subject to change.  Minimum purchase is $500. Penalty for early withdrawal. APY=Annual Percentage Yield. Limited time offer. Additional terms and rates available Membership eligibility required. Federally insured by NCUA.

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