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Comparing Checking Accounts at FPCU: How to Make the Right Choice

Whether you're starting out, keeping it simple, or looking to earn more — our three checking accounts have you covered: Student Checking, Free Checking, and Go-To Checking. You can open an account online in less than 3 minutes. The best part about it? If life changes, just switch it up by upgrading your account online or in branch! 


Student Checking

Swipe + earn money with our Student Checking 

  • Ages 10-24
  • Earn $20 a month just by using your debit card 5 times a month* (up to $240 your first year)
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card

Free Checking

A simple and free account with all the basics

  • No minimum requirements
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card
  • You may qualify for Buy Now, Pay Later >

Go-To Checking
Get more from your everyday banking with Go-To Checking
 
  • Earn 4.15% APY** on balances up to $10,000
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card
  • You may qualify for Buy Now, Pay Later >
























Open an account online in less than 3 minutes!

Use code 'Spring25' when finalizing your app to get up to $300 with direct deposit.^

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Top Features to Consider When Opening a Checking Account

Before you jump into opening a checking account, it's important to check out the main features. Good news, Financial Plus Credit Union hooks you up with these features in both our Free Checking and Go-To Checking accounts.

  1. Easily viewable account balance (digital banking): A reliable online platform like the MyFPCU mobile app that allows you to check your account balance conveniently is a must. Feel empowered to know your financial status at any given moment.
  2. Instant debit card: In today's fast-paced world, having an instant debit card is a game-changer. At Financial Plus, you'll get a debit card to use right away when you open your account in branch.
  3. Remote deposit: Remote deposit capabilities allow you to deposit checks from the comfort of your home or on-the-go. It's a time-saver and minimizes the need for in-person banking. This feature is built into the MyFPCU mobile app.

What Should You Look for When Comparing Checking Accounts?

When comparing checking accounts, it's crucial to assess how well each account aligns with your financial goals. Here are some key factors to consider:

  • Account requirements: Our Free Checking account has no monthly requirements while our Go-To Checking account has a monthly direct deposit and debit card transaction requirement. There are no account fees if all requirements are met.
  • Interest rates: Our Go-To Checking account offers 4.15% APY* on balances up to $10,000, which can help your money grow over time. 

Comparing checking accounts is a crucial step in securing your financial future. Explore the checking account options offered by Financial Plus Credit Union, where you can find the ideal account to meet your financial goals, with no fees and all the essential features you require.


Enroll and Get An Instant-issue Debit Card

At FPCU, our debit cards have a contactless feature that allow you to simply tap it near a contactless-enabled merchant terminal. Plus, all branches are equipped with instant-issue, meaning you get your card as soon as you open your account and you can start using it instantly! 

  • Easily access your funds: With our contactless debit card, you can access your funds 24/7 at ATMs. Whether you're traveling, shopping online, or simply need cash, your funds are always within reach.

  • Track your spending: Easily monitor your transactions within digital banking(Opens in a new Window). Stay in control and keep track of your purchases effortlessly.

Get more info on our debit card >



Buy Now, Pay Later at Financial Plus

Manage your spending with "Buy Now, Pay Later." When you use your FPCU debit card to shop, you may be eligible to spread out larger expenses over time. 
 
  • Use your debit card to shop whenever and wherever
  • Spread larger expenses over time 
  • Review and manage all plans and payments right in digital banking



















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*Insured by NCUA. Account available to students ages 10-24 with valid student identification. Member will be automatically transferred to Free Checking account when member turns 25, different terms may apply. To qualify for monthly incentive, you must make five (5) or more monthly qualifying and settled debit card transactions during each calendar month. The maximum incentive is $20 per month ($240 total) and is available for the first 12 months from the account open date. Incentive will be deposited into the account within seven (7) business days after the end of the month in which the qualifying purchases were made. Incentive is subject to 1099-MISC. Restrictions apply. See credit union for details.
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**APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. Dividends paid at month-end on daily balance up to $10,000. A 0.05% APY will apply to balances over $10,000.  A 0.00% APY will apply in months where all requirements are not met. APY current as of 7/6/23. Rates subject to change. Limit one Go-To Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.
 
^Insured by NCUA. Receive incentive when you open a new checking account (no minimum balance requirement) with a minimum direct deposit of $500 for two consecutive months. Incentive deposited within 15 days of meeting the incentive requirements. Cannot be combined with any other offer. Restrictions apply. See credit union for complete details