Mobile banking allows you to deposit checks, transfer funds, and track your monthly budget. It’s just that easy.
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.
Stop stressing and start growing your business with an SBA 7(a) loan from First Service.
First Service is here to help you with tools and tips for each step in your financial journey.
Nearly 30,000 ATMs and over 5,000 shared branches mean you have access to your money from coast to coast.
Our Fresh Start Checking is ideal if you have less-than-perfect banking history. If you’ve been denied a checking account in the past, this is the ideal account for you. Fresh Start Checking provides the ideal opportunity to rebuild your financial history and gain additional rewards and account features after six months of good account management.
Who says there are no second chances? Get a fresh start with First Service Credit Union.
No Minimum Balance
Open your account with $1 and enjoy no minimum balance requirement.
Free Visa® Debit Card
Make secure purchases worldwide and everywhere Visa’s accepted.
No Limit on Number of Transactions
Use your card as many times per month as you want with no extra charge.
Receive your statements electronically for quick access.4
Low Monthly Fee
Pay just $9 a month for your checking account.
Your funds are federally insured up to $250,000.
After six consecutive months with no overdrafts and a continuous direct deposit, your account can be reviewed and converted to a High Yield Checking or Free Checking with Debit Rewards account. If your account is upgraded, you'll also become eligible for our Courtesy Pay program.8
Earn rewards points with every debit card purchase.
Get paid high dividends and ATM fee refunds.5
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule (and avoid Houston traffic) with 24/7 access to check your balances, make transfers, pay bills, and 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
Overdraft Transfer creates an extra line of defense for your checking account by linking it to a savings account or line of credit. If you accidentally overdraw your checking account, we’ll automatically transfer the needed funds from your linked account to cover the transaction.7
 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.
 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.
 High Yield Checking: Higher dividends are paid and ATM fees are refunded each month when the following monthly requirements are met: must have at least one direct deposit with a minimum of $500 and have at least 12 debit card purchases. ATM fees are refunded up to $4 per transaction not to exceed a cumulative limit of $12 per month. A monthly fee of $4.95 will be assessed if these monthly qualifications are not met or an average daily balance of at least $1,000 is not maintained. Fees may reduce earnings.
 CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership.
 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.
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