Checking

Rates

Get the most from your account by choosing the right checking solution that meets your needs.

Choose to apply for our Free1 Checking, Growth Checking, or First Step Checking solutions to help manage your spending activities!

Key Features

  • Mastercard Debit Card Benefits
  • Digital Banking Convenience
  • Bill Pay Service Option
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Do you currently have an account with First Harvest Credit Union?

  • Enjoy no monthly service fees with no minimum balance requirements
  • Earn 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 with Digital Banking3:
  • 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.

Earn more on your accessible funds and enjoy the same conveniences you know and love! Start earning as much as 2.00% APY4 on balances of $1,000 or more.

Learn More!

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 banking features you know and love. 

  • 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
  • Manage your account with Digital Banking3:
  • 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

Learn More

 

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
  • Stay up to date on your First Harvest debit or credit card activity by setting up transaction alerts within our Online Banking Card Controls! With transaction alerts, you'll be notified each time you use your debit or credit card and have the ability to lock your card if you lose or misplace it!
  • 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.

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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].

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Do you currently have an account with First Harvest Credit Union?

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 Inactive 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. 

4. Variable Annual Percentage Yield (APY) effective as of 1/1/2025 and are subject to be cancelled, extended, or changed without notice. The APY shown is paid on balances of $1,000 or more. Minimum balance to earn the rate shown is $1,000 with a maximum balance of $9,999.99. For other rates and tiers, visit FirstHarvestCU.com/Rates. Fees may reduce earnings. 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. Review our Truth In Saving Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.

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