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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
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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
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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
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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.  Annual Percentage Yield. Accurate as of 04/1/2026.
  2. Annual Percentage Yield. Accurate as of 04/1/2026. 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 04/1/2026. 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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