First Citizens' believes banking should be easy, convenient, & tailored to our member's banking needs

We offer a variety of different checking account options to fit any lifestyle- whether you're a student, on a fixed budget, a retiree, on active military duty or a veteran. We believe in Doing What’s Right, that’s why all of our accounts have no monthly service fees and offer bill pay, online & mobile banking, and e-statements.

















Compare Personal Checking Options

Hero Checking

We offer personalized accounts to honor veterans and those on active military duty with unique benefits and rewards to thank them for the service.

  • $1 minimum account balance requirement
  • Non-FCFCU ATM fee rebates1
  • Earn monthly Bonus Dividends by maintaining $1,000 in Hero Savings3
  • Free checks

Champion Checking

This account was created specifically for our Police, Firefighters, EMS personnel, Teachers, and Healthcare Professionals to show our appreciation for all they do for our community.

  • $1 minimum account balance requirement
  • Non-FCFCU ATM fee rebates1
  • Earn monthly Bonus Dividends by maintaining $1,000 in Champion Savings3
  • Free checks

Direct Bonus Checking

This account rewards you with a Bonus Dividend for your Direct Deposit into this Checking account.

  • $1 minimum account balance requirement
  • Free checks
  • Earn monthly Bonus Dividends with a minimum balance of $5003

Student Checking

A great starter account for a student or young adult from ages 14 to 25! Account holders under the age of 18 must have a parent or guardian as a joint owner of the account. Upon reaching the age of 26 the account will revert to our Complete Checking Account.

  • $1 minimum account balance requirement
  • Non-FCFCU ATM fee rebates up to $201
  • Free first order of checks
  • Debit card for ages 14 and older

Sterling Checking

An account for anyone over the age of 59.

  • $1 minimum account balance requirement
  • Free checks

Complete Checking

One of our most popular accounts for everyday banking needs!

  • $1 minimum account balance requirement
  • Free first order of checks

Health Savings Account

A Health Savings Account (HSA) is a way for individuals and families with an HSA qualified insurance, also known as High-Deductible Health Plan (HDHP), to make tax deductible contributions into an account to pay for present, future and retiree medical expenses. It is an account that receives contributions (deposits) on a tax-favored basis on behalf of an eligible individual and allows tax-free distributions used to pay for qualified medical expenses.

  • $1 minimum account balance requirement
  • Free checks


*Accounts are subject to approval.
1. May be subject to surcharge (s) by ATM owner. Rebates are refunded at the end of statement cycle.
2. Carrier fees may apply
3. May earn $10 each month by conducting, at minimum, 15 point-of-sale debit card purchases (this excludes transactions conducted at an ATM) and maintain a $1,000.00 daily balance in a qualifying savings account in order to receive your monthly Bonus Dividend.

















Helpful Links

Explore interactive scenarios within our Education Center to help you stay on track!

We've partnered with Banzai to bring free financial wellness program to our community. Your financial future starts today with our financial education tools and resources. Whether you're a parent trying to teach your kid about money or an adult working to create a budget, our free financial wellness program is here to help you reach your unique financial goals. Learn More About Banzai