What is the First@Work Program?

First@Work is an added benefit program developed, implemented and managed by First Citizens’ Federal Credit Union on behalf of you, the employer, to assist your employees in attaining financial security conveniently in the workplace environment.

Each employee receives an exclusive benefits package including:

  • Free Checks (Select Styles)
  • No minimum balance
  • No FCFCU ATM withdrawal fee (Plus up to $20 on ATM Surcharge Rebates) 1
  • Custom Visa® debit card
  • $10 Monthly Bonus Dividend2
  • Free Online Banking, Mobile Banking3, Bill Pay & e-Statements
  • Mortgage Loan Discounts
  • Discounts On Consumer Loans
  • Free IRA Plan
  • Onsite Personal Financial Services Representative
  • Overdraft Protection Fee Waived
  • Free Notary Public Service
  • BJ's Wholesale Club Membership Discount

Email Us For a BJ's Application Here! 

  1. May be subject to surcharge (s) by ATM owner. Rebates are per statement cycle.
  2. You must conduct, at minimum, 15 point-of-sale debit card purchases (this excludes transactions conducted at an ATM) and maintain a $1000.00 daily balance in a qualifying savings account in order to receive your monthly Bonus Dividend.
  3. Carrier fees may apply


What are my benefits as an employer? 

As a First@Work employer you are entitled to a complete benefits package aimed to meet your business needs including customized business banking solutions, specials on merchant services and more. Your employees will grow to appreciate you more as their employer for adding another tangible benefit and best of all – it’s FREE!


We invite you to inquire about how our First@Work program may benefit your company. Please call us at 1-800-642-7515 or contact us.