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ATM SERVICES: The ATM at our Potranco Branch is temporarily unavailable. For your banking needs, you can visit the Culebra Branch or take advantage of Digital Banking. We apologize for the inconvenience.

Checking Accounts

Why Choose Firstmark Checking?

As a member-owned, non-profit credit union, we put people first. Our checking accounts are designed to make banking simple, rewarding, and transparent.

  • Earn points every time you spend with our debit card rewards program
  • Early direct deposit lets you access your paycheck sooner
  • Overdraft privilege provides extra coverage when your balance runs low
  • Free notary public services make document signing easy
  • TruStage® Accidental Death and Dismemberment (AD&D) Insurance
Open a Checking Account
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Find the Right Checking Account for You

FREE Checking

  • Earn 0.01% APY1 on Daily Balances
  • No Monthly Service or Impact Fee
  • $25 Minimum Opening Deposit
  • Dividends Paid Monthly
  • No Minimum Monthly Balance
  • Free first box of checks
  • This Account is Subject to Foreign ATM Fees
Open Now
Questions? Contact Us

Power of the Dollar® MAX

  • Earn 3.00% APY2 on Balances up to $10,000
  • Get .50% Loan Discount on Auto, Personal, and Home Equity Loans
  • $25 Minimum Opening Deposit
  • Dividends Paid Monthly
  • Get 15 ATM Fee Refunds Per Year
  • Minimum Average Daily Balance of $500 to Earn APY2
  • $5 Monthly Impact Fee3
  • Free Standard Checks
  • Educators Only: Access to 0% APR4 Classroom Supply Loan
Open Now
Already a Member? Upgrade Now

Power of the Dollar® Plus

  • Earn 0.15% APY1 on Daily Balances
  • Get .50% Loan Discount on Auto, Personal, and Home Equity Loans
  • $25 Minimum Opening Deposit
  • Dividends Paid Monthly
  • Get 15 ATM Fee Refunds Per Year
  • Minimum Average Daily Balance of $500 to Earn APY2
  • $3 Monthly Impact Fee5
  • $25 Minimum Opening Deposit
  • Free Standard Checks
  • Educators Only: Access to 0% APR4 Classroom Supply Loan
Open Now
Already a Member? Upgrade Now

Power of the Dollar®

  • Earn 0.10% APY1 on Daily Balances
  • Get .25% Loan Discount on Auto, Personal, and Home Equity Loans
  • $25 Minimum Opening Deposit
  • Dividends Paid Monthly
  • No Minimum Monthly Balance
  • Get 10 ATM Fee Refunds Per Year
  • Free Standard Checks
  • $1 Monthly Impact Fee
  • Educators Only: Access to 0% APR6 Classroom Supply Loan
Open Now
Already a Member? Upgrade Now

Earn Rewards for Everyday Banking

With our debit card rewards program, you earn 1 point for every $10 you spend! Make your checking account work harder for you by taking advantage of a range of benefits. Enjoy rewards on everyday purchases and receive real-time alerts to stay on top of your finances.

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1x Points

Debit Card

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1x Points

Credit Card

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2x Points

Credit Card
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3x Points

Credit Card
Open a Checking Account
Learn More About Rewards
NCUA Insurance Coverage Booklet – Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
  1. APY is Annual Percentage Yield. Accurate as of 04/22/2026.
  2. APY is Annual Percentage Yield. Accurate as of 04/22/2026. The Credit Union may offer other rates in the future. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered annual percentage yield (APY) account. Rates are subject to change. Minimum daily balance of $500 to earn APY. Balances $500 to $10,000 the Dividend Rate is 2.96% with an APY of 3.00%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with an APY of 3.00% to 0.01%.
  3. The $5 monthly impact fee includes $1 to support the Firstmark Foundation.
  4. APR is Annual Percentage Rate. Accurate as of 04/22/2026. Membership with Firstmark Credit Union required. Must be an active and certified K-12 teacher in a public or a private school to qualify. Rates and terms are subject to change without prior notice. Loan amount is $500. Maximum term is 10 months. Payment example: On a 10 month loan for $500 at 0.00% APR, you would make 10 payments of $50. All loans are subject to credit approval.
  5. The $3 monthly impact fee includes $1 to support the Firstmark Foundation.
  • Amusement Parks
  • Aquariums (including Sea-aquarium &  Dolphinariums)
  • Athletic Fields
  • Bands (including Orchestras & Miscellaneous Entertainers)
  • Billiards & Pool Establishments
  • Bowling Alleys
  • Carnivals
  • Circuses
  • Commercial Sports
  • Dance Halls, Studios, and Schools
  • Entertainment
  • Fortune Tellers
  • Golf Courses
  • Membership Clubs (including Country Clubs & Private Golf Courses)
  • Motion Picture Theaters
  • Motion Pictures
  • Video Tape Production and Distribution
  • Professional Sport Clubs
  • Recreation Services
  • Sport Promoters
  • Sporting & Recreational Camps
  • Theatrical Producers
  • Ticket Agencies
  • Tourist Attractions & Exhibits
  • Video Amusement Game Supplies
  • Video Game Arcades/Establishments
  • Video Tape Rental Stores 
  • Airlines
  • Air Carriers
  • Bus Lines (including Charters & Tour Buses)
  • Car Rental Companies
  • Cruise Lines
  • Lodging (Hotels, Motels, Resorts & Central Reservation Services)
  • Passenger Railways
  • Steamship Lines
  • Timeshares
  • Travel Agencies & Tour Operations
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