Our new My Money+ Checking account features everything you already love about our Ultimate Checking Account but then kicks it up a notch (or three).

Imagine earning dividends for your checking while taking advantage of services you’re probably already using that aren’t as good and cost you a small fortune. Not on our watch!

Open a My Money+ Checking Account and earn up to 1.00% APY.* Plus, for a low monthly fee of just $5.95, you can take advantage of these added benefits.1

• Free Online Banking
• Free Bill Pay
• Free Mobile Banking *Data and Carrier rates may apply.
• Unlimited use of our surcharge-free ATM network.
• ATM fee refunds up to $10 each month for out-of-network ATMs (once all qualifications are met).
• IDProtect® - Identity theft monitoring service2
• Cell Phone Protection3 - Receive up to $600 of replacement or repair costs if your eligible cell phones are stolen or damaged. (Cell phone bill must be paid using eligible account.)
• Fuel Rewards4 - Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status.
• Dark Web Monitoring† - Monitor your personal information on the dark web and receive alerts when your personal information is exposed.
• Credit File Monitoring† - Daily credit file monitoring and automated alerts of key changes to your credit report.
• Social Media Monitoring† - Safeguard your online presence, alerting you to any signs of hacked accounts, online threats, or reputational damage, allowing you to take prompt action.
• Roadside Assistance3 - 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.
• Telehealth5 - Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family. There are zero copays, plus discounts on prescriptions and lab work.
• Travel & Leisure Discounts† - Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device.

Please note, the $5.95 fee can be waived for any month in which there is an aggregate loan balance of at least $10,000 (excluding real estate loans) OR an aggregate share balance of at least $5,000, AND when the following criteria has been met.

Earning 1.00% APY* with a My Money+ Checking Account is easy!

  1. Use your Contactless Visa® Debit Card to make at least 15 purchases at a store or online, each exceeding $3 per transaction, per month.

  2. Make an aggregate monthly deposit of at least $500 into your account via direct deposit, mobile deposit, or a deposit at one of our branches (not a shared branch).

  3. Enroll in eStatements.


    All Visa® Debit Card purchases and all deposits must post during the month to qualify for the highest dividend rate tier.

    Didn’t meet the qualifications this time? Not a problem! You’ll still earn dividends - just not the full 1.00% APY*. Best of all? There’s always next month!

Helpful Checking Account Resources:

  • Order your checks online from Harland Clarke, our preferred provider.

  • Direct Deposit

    • Provides you with a no-hassle way of depositing funds and making them available on your payday. You can make loan payments and savings deposits to your own accounts, as well as other family members’ accounts.

      To set up direct deposit, visit your payroll office and give them our ABA routing number 254075438, and your 5, 6, or 7-digit account number followed by the share suffix you’d like your funds deposited to (either -00 for savings and -10 or -20 for checking).

*APY = Annual Percentage Yield.
†Registration/activation required.
1InFirst FCU membership is required. Members can opt into the added benefit feature for $5.95 per month. This fee is waived by meeting the criteria below. HOW TO QUALIFY FOR THE HIGHEST DIVIDEND TIER AND WAIVED BENEFIT FEE: 1. Make 15 Visa® Debit Card purchases at a store or online, each exceeding $3 per transaction, per month. 2. Make a monthly deposit into your account via direct deposit, mobile deposit, or a deposit at one of our branches (not a shared branch), with a monthly aggregate of $500 or more. 3. Enroll in eStatements. 4. All Visa Debit Card purchases and all deposits must post during the month to qualify for the higher dividend rate tier and the benefits fee waiver. 5. Maintain a monthly aggregate share balance of $5,000 or an aggregate loan balance of $10,000, excluding balances held in real estate loans. If these qualifications are not met during a given month, the lower dividend rate will be earned, and the benefit fee of $5.95 will be assessed. Rates subject to change without notice. Certain terms and conditions may apply. Dividends are computed on the daily balance method. Fees may reduce earnings. Rate tiers are as follows: 1.00% APY applies to the portion of the balance from $0.01 to $10,000.00. The portion of the balance from $10,000.01 to $15,000.00 will earn 0.05% APY. The portion of the balance over $15,000.00 will earn 0% APY. If qualifications are not met, 0.05% APY will be earned on balances up to $15,000.00. Dividends earned will be deposited into the member’s prime savings account. Only one My Money+ Checking account per member. My Money+ Checking accounts are variable rate accounts that may change after account opening.
2Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Guides to Benefit and insurance documents can be found online at MyMoney.ClubChecking.com or through the Club Checking mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
4Restrictions apply. See MyMoney.ClubChecking.com for details.
5Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.