
Harvest Your Checking Account
Choose from Free1 Checking, Growth Checking, or First Step Checking — simple, affordable options to fit your goals.
Explore Our Checking Solutions & Choose the Option That’s Right For You
Free1 Checking Account
Enjoy the conveniences of our free1 checking solution with features to help you bank smarter. Plus, enjoy no monthly service fees or minimum balance requirements!
Open in MinutesGrowth Checking Account
Save more and spend with purpose! Access funds with ease, for large and small purchases, while earning a higher dividend based on your balance.
Open in MinutesFirst Step Checking Account
Plant the seeds for financial success! Our simple checking solution can help members build positive checking account history over time.
Open in MinutesFree1 Checking Account | Growth Checking Account | First Step Checking Account | |
|---|---|---|---|
| Access to 55,000+ ATMs through the Allpoint Network |
|
| |
| Digital Banking: Online & Mobile Banking, Bill Pay, Mobile Deposit, and eStatements |
|
| |
| Deposits Insured up to $500,000 |
|
| |
| Minimum Daily Balance | $0 | $0 | $0 |
| Mastercard® Debit Card Benefits with Mobile Wallet & Round Up Options |
|
| |
| Earns Interest |
| ||
| Monthly Service Fee | $0 | $4.992 | $3.99 |
| Overdraft Privilege & Premium Overdraft Options |
| ||
| Direct Deposit Available |
|
| |
| Open Account | Open Account | Open Account |
| Access to 55,000+ ATMs through the Allpoint Network | |
|---|---|
| Digital Banking: Online & Mobile Banking, Bill Pay, Mobile Deposit, and eStatements | |
| Deposits Insured up to $500,000 | |
| Minimum Daily Balance | $0 |
| Mastercard® Debit Card Benefits with Mobile Wallet & Round Up Options | |
| Earns Interest | |
| Monthly Service Fee | $0 |
| Overdraft Privilege & Premium Overdraft Options | |
| Direct Deposit Available |
| Access to 55,000+ ATMs through the Allpoint Network | |
|---|---|
| Digital Banking: Online & Mobile Banking, Bill Pay, Mobile Deposit, and eStatements | |
| Deposits Insured up to $500,000 | |
| Minimum Daily Balance | $0 |
| Mastercard® Debit Card Benefits with Mobile Wallet & Round Up Options | |
| Earns Interest | |
| Monthly Service Fee | $4.992 |
| Overdraft Privilege & Premium Overdraft Options | |
| Direct Deposit Available |
| Access to 55,000+ ATMs through the Allpoint Network | |
|---|---|
| Digital Banking: Online & Mobile Banking, Bill Pay, Mobile Deposit, and eStatements | |
| Deposits Insured up to $500,000 | |
| Minimum Daily Balance | $0 |
| Mastercard® Debit Card Benefits with Mobile Wallet & Round Up Options | |
| Earns Interest | |
| Monthly Service Fee | $3.99 |
| Overdraft Privilege & Premium Overdraft Options | |
| Direct Deposit Available |
Today’s Rates
Last Updated on March 1, 2026March 1, 2026
| Account | Features | Rate | APY† | |
|---|---|---|---|---|
| Free Checking | No Minimum Balance Required | 0.01% | 0.01% |
| Type | Features | Rate | APY† | |
|---|---|---|---|---|
| Tier 1 | $0.00 - $999.99 | 0.01% | 0.01% | |
| Tier 2 | $1,000.00 - $4,999.99 | 1.99% | 2.00% | |
| Tier 3 | $5,000.00 - $9,999.99 | 1.99% | 2.00% | |
| Tier 4 | $10,000.00 - $24,999.99 | 1.99% | 2.00% | |
| Tier 5 | $25,000.00 and above | 1.99% | 2.00% |
Bank Your Way: Convenient Features That Simplify Life
Manage your money wherever life takes you. Enjoy everyday features that make banking simple, secure, and stress-free.
Digital Banking2
Deposit checks, transfer funds, and set up instant alerts right from your phone.

Mastercard® Debit Card
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 Credit Union Mastercard Debit Cardholder:
Link your First Harvest Credit Union Mastercard to various Digital Wallets
Enroll in Mastercard ID Theft Protection for added security
Gain peace
of mind with Mastercard’s Zero Liability Policy
Save on everyday spending with Debit Card Round Up

Switch Kit
Move your existing account to First Harvest Credit Union in 3 easy steps.
Open your new account.
Apply online in minutes or visit your local branch.
Switch your direct deposit and automatic withdrawals.
If you have any automatic transactions, use the provided forms to seamlessly switch them.
Close your old account.
Now you’re ready to switch. Simply fill out the provided form to close your old account.
Frequently Asked Questions
Yes. Members can open more than one checking account, subject to eligibility and approval. This can be helpful if you want to separate everyday spending, shared expenses, or budgeting goals.
You can switch by opening a First Harvest Credit Union checking account, updating direct deposits and automatic payments, and moving your balance. Our team can help guide you through the process and make the transition easier.
Yes. Joint owners or authorized users can be added by visiting a branch or contacting us. Identification and signatures are required.
Checks can be ordered through our preferred check provider, Harland Clarke.
To report a lost or stolen Mastercard® Debit Card, call 866.642.6158. Set up Card Controls today to have the ability to lock your First Harvest debit card!
Simply select the Apply Now button above to open your preferred checking account in minutes!
When you use a First Harvest ATM, you will not be charged any surcharge fees.
However, if you use an ATM outside of our surcharge-free network, you may be charged a surcharge fee or fees issued by the ATM operator (these fees are separate from credit union charges), so check the ATM terms before you complete your transaction.
Debit Card Round Up is an optional savings tied to your First Harvest Checking Account. Eligible checking accounts include our Growth Checking, Free Checking, and First Step Checking programs with an active Debit Card. The Debit Card Round up will apply to your point of sale (POS) transactions, rounding your purchases to the nearest dollar. The difference will be placed in your designated Savings Account!
Your First Harvest Debit Card is compatible with various digital wallets and can be used to make purchases through Apple Pay, Google Pay, Samsung Pay and more. Your digital wallet can store digital versions of your cards pay for goods and services online and at retail locations that accepts digital payment.
The First Harvest Debit and Credit Cards can be used with the following Digital Wallet/Pay Partners:
Apple Pay:
- Loading your card in Apple Wallet – Here’s How
- Make Purchases with Apple Pay on compatible devices – Here’s How
Android Pay:
- Loading a card in Google Wallet – Here’s How
- Make Purchases with Android Pay on compatible devices – Here’s How
Samsung Pay:
- Loading a card in Samsung Pay – Here’s How
- Make purchases with Samsung Pay on compatible devices –Here’s How
Microsoft Wallet:
- Microsoft Wallet allows members to easily and safely pay for their purchases in stores or online with Microsoft Wallet on their Windows phone.
Masterpass:
- Masterpass from MasterCard is the first omni-channel, all digital payment service for consumers, issuers, and merchants leveraging the most advanced methods of payment available.
While Digital Wallets often provide more enhanced security through information encryption, here are some tips to keep in mind:
- Take the time to secure your device and app by setting up available security features, such as PINs and biometric authentication options.
- Limit your purchase transactions to retailers and individuals you trust
- Monitor your financial accounts and review your payment history frequently to quickly identify any suspicious actives
- Only process transactions on secured Wi-Fi networks.
- Register your First Harvest Mastercard Debit Card for complimentary ID Theft Protection – Get Started Here
Get Started Today!
Serving members across New Jersey, First Harvest Credit Union is proud to offer convenient checking solutions as unique as your financial needs and goals!
Growth Checking: Must maintain a minimum average daily balance of $1,000 or more, or have a monthly direct deposit of at least $500 or more to avoid a monthly service fee of $4.99.
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 Inactive Account Fee. Review our Fees and Charges disclosure for fee information.
2. Avoid Non-usage fees by utilizing the service at least once every 365 days. Review our Fees and Charges Disclosure for fee information.








