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FirstChoice VIP Checking

This premium checking program includes everyday savings benefits on shopping, health savings, cell phone and protection plans, along with VIP benefits such as unlimited paper statements and ATM transaction fees waived, all for only $8 each month with no minimum balance, unlimited transactions, loan discount advantages, monthly dividends and bonus rates on a variety of share certificates.

Here’s some of what’s included for you with FirstChoice VIP Checking:​

Checking Account Services

  • POS fees waived
  • No ATM transaction fees1
  • Monthly Dividends plus Cash Rewards2
  • Bonus Dividends on Certificate Rates
  • Discount Advantage on Auto Loans
  • Unlimited Transactions with no check clearing fees
  • First Service Debit Card
  • Free 1st CU VISA App
  • Two boxes of checks free per year
  • Free BillPayer
  • Free Online Account Access
  • Free e-Alerts
  • Free e-Statements. Paper statement fees waived.
  • Free FirstCU Access Mobile App
  • Free Mobile Check Deposit
  • Overdraft Protection Available

Money-Saving Discounts

  • Shopping and dining from local stores and restaurants
  • Nationwide travel, hotel, recreation, and entertainment savings
  • Savings on prescriptions, vision, and hearing aids

Personal Protection Benefits

  • Cell phone protection3,4
  • Roadside assistance
  • $25,000 accidental death insurance4
  • $10,000 personal identity theft benefit, credit and ID monitoring and identity restoration3,4,5
  • Payment card fraud resolution
  • Buyer's protection and extended warranty3,4
  • Billshark5

1 Surcharge fees may apply at machines not owned by First Service
2 Dividends are paid monthly and calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  CashRewards of 10¢ are paid on each signature based debit card transaction over 12 per month. Your CashRewards will appear on your monthly account statement.
3 Cell phone protection, personal identity theft benefit, and buyer’s protection and extended warranty are subject to additional terms and conditions. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
5 Billshark, ID theft & credit monitoring requires additional activation to begin.

Quick Tip:
When you use an ATM or Debit Card, a hold is placed on the authorized funds pending settlement. To view active holds against funds in your account, please login to your account at FirstCU Online. Select the Accounts tab to see the Available Balance in your checking account. Click on the View Holds tab to see active holds on your account, along with the day the funds are scheduled to be released.

Checking privileges based on approval. Certificate and bonus loan discount apply to non-promotional rates. $5 minimum Share Savings Account required for membership with $25 initial deposit to open a FirstChoice VIP Checking Account. Federally Insured by NCUA.
Overdraft, transfer and NSF charges apply when applicable. Schedule of Fees and Charges available. Overdraft Privilege Pay information.

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