Free Checking

Your money, your way - All for free!

Open an Account

Free checking gives you complete control of your funds, your way, without the hassle of monthly fees.

Enjoy all of the benefits of First Community for free!

Free mobile and online banking
No minimum balance required
No monthly fee

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Here's what you get with all FCCU checking accounts

Free debit card with Visa's Zero Liability Fraud Protection
Online and Mobile Banking with access to Mobile Deposits, eStatements and more
Fraud protection and card controls with FCCU Card Manager
Overdraft Options* to make sure you’re covered
Tap to Pay for quick purchases with an FCCU Visa Debit Card

Here's what you get with all checking accounts

View all checking options

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Go Paperless Today

Make life easier by enrolling in FCCU's eStatements enjoy online access to all of your statements anytime, anywhere.

Get started

Protect yourself with

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FCCU Card Manager

Fight fraud fast with our FCCU Card Manager app! The power is in your hands.

Mobile Wallets

Add your FCCU Visa Debit and Credit Cards to a Mobile Wallet for convenience and security.

FCCU Mobile App

Protect yourself on the go with our FREE mobile app for Apple and Android devices.

Stop by and visit with us

With branches throughout the Houston area, you're bound to be close to us!

See Locations

Can I withdraw cash over $10,000?

How do I sign up for eStatements?

Can a minor open a bank account?

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Rewards Checking

Put your money to work with a First Rewards Checking account! We've paired the simplicity of a checking account with the earnings of an investment account.

Primary Savings

Build your financial foundation by beginning your membership with FCCU. Take advantage of the perks a credit union membership has to offer.

Money Management Checking

Enjoy the flexibility and freedom of a checking account while earning high, variable dividend rates with our Money Management Checking account.

¹APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. The above rates were paid for their respective dividend period. These rates are not guaranteed for the current dividend period. Rates may change after account opening. All accounts must remain open through the end of the dividend period to be paid the accrued dividends. Checking and Money Management account dividends are earned on the daily balance and paid monthly. Rates quoted were last paid on November 30, 2023. Dividend rate and APY are subject to change monthly without notice at the discretion of the Board of Directors. In order to qualify for membership, In order to qualify for membership, Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.

²Overdraft Options are available on most FCCU consumer checking accounts being maintained in good standing and the member is 18 or older. Standard Overdraft Practices automatically come with most accounts. For debit and ATM transactions to be covered, you must Opt-in to Enhanced Overdraft Privilege. Overdraft Transfers are an option. Nominal fees on a tiered structure of $10 for the first overdraft, $28 for the second through fourth transactions and $35 for the fifth transaction and beyond in a 12-month rolling period may apply for the service selected. Overdrafts must be covered to bring the account to a positive status within 30 days to avoid further action being taken. First Community reserves the right to decline to pay any transaction if a loss has occurred to First Community.