Discover the benefits of a First Harvest Credit Union Checking Account. Get the most from your account by choosing the right checking solution that meets your needs.
At First Harvest Credit Union, members can choose to apply for our Free1 Checking Account option or our First Step Checking Account solution to help manage their spending activities.
Key Features
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No Minimum Balance Fee
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Digital Banking Convenience
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Mastercard Debit Card Benefits
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Bill Pay Service Option
- Enjoy no monthly service fees with no minimum balance requirements
- Earn competitive dividends on your entire balance2
- Overdraft Privilege & Premium Overdraft options available for unexpected circumstances
- Conveniently fund your account with Direct Deposit – the fastest and safest way to deposit funds into your account
- Manage your account activity with ease through Online3 and Mobile Banking3
- Take advantage of time-saving services like Bill Pay and Mobile Deposit.
- Enjoy the benefits of a Mastercard Debit Card with Digital Wallet capabilities
- Access over 55,000 surcharge-free ATMs via the Allpoint® Network
- Deposits are insured up to $500,000
For complete account details, review our Truth In Savings Disclosure.
Want a checking account with straightforward terms? Our First Step Checking Account offers a simple checking solution with many of the same convenient features as a First Harvest Free1 Checking Account.
- Low monthly service fee of only $3.99 with no minimum balance requirements
- Only spend your available account balances, so no need to worry about overdraft penalty fees
- Utilize the account to build positive transaction history
- Conveniently fund your account with Direct Deposit – the fastest and safest way to deposit funds into your account
- Gain access to time-saving services like Bill Pay, Mobile Deposit, and the convenience of Digital Banking3 services
- Gain access to a Mastercard® Debit Card with Digital Wallet capabilities
- Access over 55,000 surcharge-free ATMs via the Allpoint® Network
- Deposits are insured up to $500,000
For complete account details, review our Truth In Savings Disclosure.
A First Harvest Mastercard® Debit Card comes with amazing benefits – at no additional costs to you! Below are just a few key benefits you’ll enjoy as a First Harvest Mastercard® Debit Cardholder.
- Link your First Harvest Mastercard® to various Digital Wallet providers including Apple Pay, Google Pay, Samsung Pay and more
- Gain peace-of-mind with Mastercard’s Zero Liability Policy and make purchases online and in-store with confidence. Some conditions and exceptions apply. For full details, visit Mastercard's Website.
- Chip Technology improves the global usability and security of cards, as more merchants at home and abroad switch to advanced chip card terminals.
- Contactless Technology allows Mastercard® cardholders to breeze through checkout at millions of places. Look for the contactless symbol anywhere they shop.
- Mastercard® ID Theft Protection™ provides cardholders with access to a number of Identity Theft resolution services, should they believe they are a victim of identity theft. Sign Up Here
- And much more
From transferring funds between accounts, quickly reviewing balances at the check-out line, paying on your First Harvest loan and more, you can manage your account activities online and on mobile devices with our Digital Banking tools.
- Login to Online Banking3 or download the Mobile Banking3 App
- Take advantage of time-saving services like Bill Pay and Mobile Deposit.
- Opt-in to eStatements to reduce paper waste and receive your statements faster
- Save time with Direct Deposit – the fastest and safest ways to deposit funds into your accounts
- Order checks online at your convenience through our partner, Harland Clarke
Members have access to over 55,000 surcharge-free ATMs via the Allpoint® Network, including several in popular retail outlets such as Target, CVS pharmacy, Walgreens, Costco®, and more.
- Easily search for Allpoint® Network ATM locations nearest you online or download the locator app
- Call 800.809.0308 and choose option 2 to get assistance with locating an Allpoint Network ATM over the phone
- ATM deposit capabilities are also available at many First Harvest branch ATMs – See Locations
Your deposits at First Harvest Credit Union are insured up to $500,000 at no additional cost to you. This exceptional level of coverage is attained through a combination of:
- Federal insurance provided by the National Credit Union Share Insurance Fund (NCUSIF) and
- Private insurance made available to First Harvest Credit Union members by the Excess Share Insurance (ESI) Corporation.
We want our members to feel safe and secure about their funds held at our institution.
Applicants who currently do not have an established membership at First Harvest Credit Union will be required to open a First Harvest Savings Account with a minimum deposit of $5.00 as a part of their Checking Account application.
For additional program details, review our Account Disclosure information. Click the Open In Minutes link to submit your application. If you are unsure of your membership eligibility, please connect with us. We're happy to assist.
- Choose Main Share/Savings to establish your membership by clicking the plus-sign.
- Click the plus-sign next to the Checking Account you are interested in apply for.
- You can also choose to open additional available account types, such as our Growth Savings Account or Certificate options, by selecting the corresponding plus-sign.
If you have additional questions, we’re here to help! Connect With Us or email [email protected].
Membership restrictions apply.
1. You must make at least one transaction every 12 months or maintain an account balance of $500 or more, or have an active First Harvest Credit Union loan or credit card account to avoid the $10.00 monthly Inactivate Account Fee. Review our Fees and Charges disclosure for fee information.
2. Fees could reduce the earnings on the account.
3. Avoid Non-usage fees by utilizing the service at least once every 365 days. Review our Fees and Charges disclosure for fee information.