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We offer big rewards, mobile wallet convenience, and money-saving features to help you afford more of the things you love.
Keep it simple with our standard checking or upgrade to 1st Defense™ checking, built to streamline your life and save you money. Both options include contactless debit cards, overdraft protection, 24/7 digital access and more.
Whether you're after cash back rewards, points, great rates or a secured card to help rebuild your credit score, we've got an option that's right for you.
Fee-free overdraft protection draws money from your savings to cover purchases that exceed your checking balance. If you don't have the money in another account, we'll temporarily cover the cost with courtesy pay.
Do you offer overdraft protection?
Yes, we offer overdraft protection for peace of mind to cover transactions in the event there are insufficient funds in your checking account. You may link your checking account to your savings, supplemental savings, or money market. You can also use your home equity line of credit or personal line of credit to cover insufficient funds—and these sources allow unlimited transfers.
What documents will I need to open an account?
We need to make sure you really are who you say you are. To open your account you will need a government issued form of ID, such as your driver's license and a valid email address. We also need to know your Social Security number so we can verify your identification.
What are you options for members with low or no credit score?
To help build credit or re-establish credit, we offer our Visa Platinum® Secured credit card. This card has a $25 annual fee and offers a maximum credit line of $5,000. It is secured by your savings account.
Are there any monthly fees?
We do not charge monthly account fees. For a complete list of service charges, click here.
For just $5
We're Here to Help
Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.
Protecting what you care about shouldn’t be complicated or unaffordable. Our third-party insurance partners offer a full range of personal, group, auto, health and life insurance plans through the most respected companies in the business.
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