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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:     

choose the right checking account Interest


Monthly Dividends Paid when balance of $1,000 or more is maintained. --------
FirstCityLink Home Banking and Bill Payment FREE
Visa® Check Card 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.*
Check Writing FREE unlimited checks
Free Checks** First 50 checks FREE!
Minimum Initial Deposit $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


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 For the nearest CO-OP network ATM, visit, or call (888) 748-3266 

Quick Links


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Open a Checking Now

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Order Checks Piggy Bank Icon Schedule of Fees and Charges

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Savings Calculator Overdraft Protection and Courtesy Pay information orange charts icon  Rates



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