Earn More. Pay Less.

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?

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Free Checking with Debit Rewards Features

No Monthly Fee

Save your money for what matters with no monthly service charge.

Debit Rewards

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

Make secure purchases worldwide and everywhere Visa’s accepted.

Free eStatements

Receive your statements electronically for quick access.4

Double Your Points in the First Year

Earn twice the rewards in your first year when you set up direct deposit and use promo code DOUBLEPOINTS.6

Redeem Your Points for Awesome Rewards


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.


Enjoy a fun night out! Trade in your points for tickets to shows, sports events, movies, and more.


Choose from thousands of items — from electronics and clothing to accessories. Have your items shipped or pick them up at participating retailers.

Bank Your Way

All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.

Overdraft Protection

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.