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First City has the right checking account to fit your financial needs.

All First City checking accounts are packed with value!

Enjoy the convenience of a worldwide ATM network, remote deposit capture, SMS messaging, online and mobile banking, and the benefits of a Visa Check Card.

Choose the right checking account for you:

  Interest
Checking
Free
Checking
Monthly Dividends Paid when balance of $1,000 or more is maintained. ——–
FirstCityLink Home Banking and Bill Payment FREE FREE
Visa┬« Check Card FREE, accepted at over 25 million 
ATMs and merchant locations worldwide
FREE, accepted at over 25 million 
ATMs and merchant locations worldwide
ATM/POS Access FREE withdrawals and deposits at all First City ATMs and over 34,000 CO-OP Network ATMs worldwide (including over 6,000 participating 7-Eleven stores). All point-of-sale transactions are free.* FREE withdrawals and deposits at all First City ATMs and over 34,000 CO-OP Network ATMs worldwide (including over 6,000 participating 7-Eleven stores). All point-of-sale transactions are free.*
Check Writing FREE unlimited checks FREE unlimited checks
Free Checks** First 50 checks FREE! First 50 checks FREE!
Minimum Initial Deposit $10 $10
Monthly Fee $7.50, waived with daily minimum balance of $500 or average monthly balance of $1,000, or aggregate account balance of $5,000 or more. None! It’s FREE!
Availability to minors ——– Freedom Choice Checking is available to teenagers 16-17 years of age with parental approval and signature. At age 18, the account becomes a Free Checking account.

*There is a $3.00 fee on all transactions/inquiries performed on non-CO-OP Network and non-First City ATMs.  All deposits are free at CO-OP Network depository ATMs. 3rd party fees may apply.


**Shipping not included.Not all members will qualify for all product features. Checking account applications subject to ChexSystem verification.


Benefits of all First City’s checking accounts:

  • Visa Check Card
  • FREE Online Banking, Bill Pay and eStatements
  • FREE Mobile banking and Remote Deposit Capture
  • FREE Point-of-sale merchant transactions
  • Access to 34,000 COOP ATMs Nationwide including more than 6,000 participating 7-Eleven stores
  • FREE First order of checks
  • Unlimited check writing
  • Overdraft protection from your First City savings or credit card account

 Membership Eligibility

Start your Membership Application today by clicking on the ‘Open an Account’ button on this page.

Three ways that you can be eligible:

1. You live, work, worship, or go to school in one of the many communities the credit union serves throughout Los Angeles County, and parts of San Bernardino County.

2. You are an employee, retiree, or member of one of the Los Angeles County Departments, organizations, or companies that we serve.

3. You are in the immediate family (spouse, parents, children, siblings, grandparents) or live in the household of a First City member.