Checking Accounts
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Introducing You First Checking
You First Checking is the ultimate checking account from 1st University Credit Union. Designed with you in mind, this checking account offers a range of special features tailored to your needs.
Say goodbye to monthly fees and an opening balance requirement. With You First Checking, you can open your checking account with $0 and your monthly service fee will be waived with regular use of your debit card¹. Plus, you’ll enjoy free services each month, cash back rewards, early payday access, free online banking and mobile app, free mobile deposits, free ATMs nationwide, a debit card that is mobile wallet compatible, and overdraft protection for peace of mind. And you’ll rest easy knowing your funds are insured by NCUA.
You First Checking also provides special features for teens, young adults, members who are 65 and older, and those needing to rebuild their financial standing.
Open your account today and experience banking that puts YOU first.
Check out these great features of You First Checking.
No monthly fees when you use your debit card more than twenty times in that month¹: Enjoy the freedom of unlimited transactions without worrying about any additional charges. Use your debit card anywhere Mastercard®️ is accepted. To make paying secure and convenient, load your card into Apple Pay®️, Google Pay®️, or Samsung Pay®️.
Zero opening balance: Start your banking relationship hassle-free with no minimum deposit requirement.
Cash back rewards of $10 per month: Earn up to $120 a year extra cash by simply using your You First Checking debit card regularly².
Free services: Each month we will waive the fee so you can enjoy a variety of services at no charge³.
Free digital wallet: Use your debit card with the wallet of your choice: Apple Pay, Google Pay, Samsung Pay⁴.
1. The monthly service fee is waived after 20 debit POS purchases finalize in a statement cycle. Purchases in a pending status at the close of the cycle will rollover to the following month. Some months the statement cycle will be different than the calendar month. Members between the ages of 14 and 22 or are 65 or older are never charged a monthly service fee for You First Checking.
2. The monthly reward is earned after 30 debit POS purchases finalize in a statement cycle. Purchases in a pending status at the close of the cycle will rollover to the following month. Some months the statement cycle will be different than the calendar month.
3. The first eligible fee that is incurred each statement cycle will be forgiven/waived. Eligible fees include foreign ATM fee, cashier’s check, money order, and ODP transfer. A "foreign" ATM is any ATM that is not owned by 1st UCU or CO-OP.
4. Charges made with your digital wallet apply to your monthly POS purchases.
5. Direct deposit and early payment of funds are subject to timing of originator funding.
6. Minimum age for overdraft protection is 18 years old. Other qualifications and fees may apply.
Early payday: Receive your direct deposit up to two days in advance⁵.
Overdraft protection: We’ve got you covered with overdraft protection options to prevent unexpected expenses from causing unnecessary stress. Fees may apply⁶.
Free ATM access: Access your funds anytime, anywhere through our extensive network of ATMs without any fees.
Free online banking and mobile app: Take control of your finances on-the-go with our intuitive online banking platform and user-friendly app at no additional cost.
Free eStatements: Receive and store your monthly statements in your secure online banking account.
Free mobile deposit: Deposit checks conveniently using your mobile device without stepping foot in a branch or paying any fees.
Personalized checks: Whether it's for security, convenience, record-keeping, or to showcase your individuality, if checks remain an essential part of your financial life, we’ve got you covered.
Insured by NCUA: Rest assured knowing that your You First Checking account is federally insured by the National Credit Union Administration (NCUA) for up to $250,000 per depositor, providing an extra layer of security for your hard-earned money.
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Current members can refer a friend and they can both earn $50. LEARN MORE.
Ways To Pay
Mastercard®️ Debit Card
Our Mastercard chip-enabled debit card is the ultimate convenience for all checking account holders. With this card, you have the power to customize your PIN, ensuring security and peace of mind with every transaction. Whether you're making purchases in-store or withdrawing cash from ATMs, our debit card provides seamless usability wherever you go.
As a member of the CO-OP ATM network, you can access over 30,000 ATMs worldwide without incurring any fees, making it easier than ever to manage your finances on the go. Plus, our debit card seamlessly integrates with popular mobile wallets like Apple Pay, Google Pay, and Samsung Pay, adding an extra layer of convenience and security to your digital transactions.
Checks
Even in today's digital age, checks remain a vital tool for many individuals. Here are just a few reasons to consider ordering checks:
Checks offer a secure way to make payments, with each transaction leaving a paper trail that can be easily tracked and verified.
Personalized checks allow you to add your unique touch to your payments, whether it's through custom designs, logos, or personal messages.
Checks are widely accepted by businesses and individuals alike, making them a universally recognized form of payment.
Whether it's for security, convenience, record-keeping, or to showcase your individuality, checks remain an essential part of modern financial transactions.
Your initial book of checks must be ordered by a member services representative. After that, you have the option of ordering checks directly from Main Street.
Officially licensed collegiate checks are available through Main Street
Legacy members may continue to reorder checks from Harland Clarke.
Mastercard, Apple Pay, Google Pay, and Samsung Pay are trademarks of their respective owners.