Discovery Youth Accounts are a great way for kids to manage money, earn dividends and get rewarded for good grades.
Learn the six easy steps to buy your first or next home with our free Home Ownership Workshop the second Saturday of every month.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Avoid common and costly mistakes when you follow our helpful guide to buying a car or truck.
Nearly 30,000 ATMs and over 5,000 shared branches mean you have access to your money from coast to coast.
Overview
Features
Debit Rewards
Convenience
With our Free Checking with Debit Rewards you’ll earn points every time you use your Visa® debit card to make a purchase. Redeem your points for travel, gift cards, dining, merchandise, and more. Plus, there’s no monthly service charge with eStatements and no minimum balance requirement.
Simply free checking with rewards — no strings attached. What more could you want?
No Monthly Fee
Save your money for what matters with no monthly service charge.
Earn 1 point for every dollar you spend with your debit card.
No Minimum Balance
Start your account with just $1 and enjoy no minimum balance requirement.
Free Visa® Debit Card
Use your card or pair with digital wallets to make secure and simple purchases worldwide.
Free eStatements
Receive your statements electronically for quick access.4
Federally Insured
Your funds are federally insured up to $250,000.
Earn twice the rewards in your first 6 months when you set up direct deposit and use promo code DOUBLEMYPOINTS.6
Travel
Ready for a vacation? Redeem your reward points for airline tickets, hotel rooms, and more.
Gift Cards
Use your reward points for gift cards to popular stores and restaurants like Best Buy®, Chili’s®, Amazon.com®, and more.
Entertainment
Enjoy a fun night out! Trade in your points for tickets to shows, sports events, movies, and more.
Merchandise
Choose from thousands of items — from electronics and clothing to accessories. Have your items shipped or pick them up at participating retailers.
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule with 24/7 access to check your balances, make transfers, pay bills, and more.
Learn More
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy coast-to-coast access at over 5,000 credit union branches and nearly 30,000 free ATMs nationwide. That's Texas-sized access.34
We know things don’t always go as planned. That's why your account gives you two ways to help you avoid overdrafts. You can create an extra line of defense for your account, by linking it to a savings account or line of credit.7 Plus, you can receive additional coverage with Courtesy Pay.8 If you accidentally overdraw your account, our two overdraft protections options will have you covered.
[4] Paper Statement Fee: A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Online Banking to change your statement preference to eStatements.
[6] Free Checking with Debit Rewards - Double Points: Offer valid for a limited time only using promo code “DOUBLEMYPOINTS.” Some restrictions may apply. A minimum direct deposit of $500 must be received within 60 days of account opening and maintained each month to qualify. After the first direct deposit is received, points will be doubled for six full months from the first day of the next month.
[34] CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership.
[7] Overdraft Transfer Fee: A fee of $5.00 is assessed for each automated transfer from a savings or line of credit to cover an overdraft; refer to the Fee Schedule for details.
[8] Courtesy Pay: Courtesy Pay is subject to a 30 day waiting period for new accounts and member must meet Courtesy Pay Qualifications. Opting into Courtesy Pay covers checks and ACH transactions plus one-time debit and ATM transactions. Transactions exceeding your established limit (and other types of transactions) will not be covered. After 20 days negative, any remaining Courtesy Pay limit will not be accessible and the full negative account balance must be repaid within 30 days. Fee charge of up to $30 for each time First Service pays an overdraft.
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