Checking Accounts

First Class American Credit Union’s checking account allows you to easily pay bills, keep track of your spending, have easy access to your funds, and much more.

First Class American Credit Union’s checking account allows you to easily pay bills, keep track of your spending, have easy access to your funds, and much more. Here at First Class American Credit Union, we pride ourselves on working together with our members to set up the perfect checking account for their needs.

Why Open a Checking Account with FCACU?

While we offer all the same financial services of a bank, as a credit union our focus has always been on our members. It is our priority to serve our members and ensure that they are pleased with our products and our service. Joining our credit union makes you part of the First Class American family. Members who have their checking account with us rave about their ease of use, convenience and high quality services.

First Class Checking:

Features of First Class Checking Account include:

Includes the following additional account benefits:

  • IDProtect® – Identity Theft Protection Service*1
    • 3-in-1 Credit File Monitoring*
    • 3-in-1 Credit Report*
    • Total Identity Monitoring*
    • Identity Theft Expense Reimbursement2 and Resolution Services
  • Accidental Death & Dismemberment Insurance2
  • Debit Advantage – Buyer’s Protection and Extended Warranty2,3
  • Cellular Telephone Protection2,4
  • Travel and Leisure Discounts Membership*
  • $hopping Rewards™*
  • Health Discount Savings (includes Vision, Prescriptions, and Dental)*(This is not Insurance)
  • Monthly Service Fee:$6.00 ($5.00 for members 60 years old and over)
  • $25 Minimum Opening Deposit
  • No minimum Balance Required


 Click the eClub image to access the website. 

*Registration/Activation required.

1IDProtect service is a personal identity theft protection service available to personal checking account owner(s) and their natural person joint account owner(s).  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Guide to Benefit is provided at account opening,

(Item(s) must be purchased in full with eligible checking account.

4 Cellular telephone bill must be paid through this account.

 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.

Opening a Checking Account with FCACU

Opening a checking account with First Class American Credit Union is a simple process! We even offer accounts tailored to the teenage set and for those who have impaired checking history. When you come in to open a checking account, bring your identification and the initial deposit that you would like to make and we’ll help you from there. If you currently have a checking account at another financial institution, we can help you switch that account over in just a few simple steps. In addition to our First Class Checking Account we also offer:

Different Types of Checking Accounts at FCACU

Pay It Forward Checking:

Ready to start saving your money? Now you can with a Pay It Forward Checking Account. You get all the Benefits of the First Class Checking account, plus the Pay It Forward Checking account will “roll” the spare change from your debit card purchases to a special Pay It Forward Savings account earning at an interest rate of 5% apr, 5.095% apy (annual percentage yield).

  • Example: You make a purchase using your debit card for $10.21. The “change” of .79 cents will be rolled into the high yield savings account.

CU Succeed Teen Checking (members 13-17):

Ready to start managing your own money? Now you can with a CU Succeed Teen Checking Account. You can open the account and get checks when you’re 13 and get a debit card when you’re 15. Of course, your parents have to know about the account. Call us for more details.

Fresh Start Checking:

If you have impaired checking account history, Fresh Start Checking is the account for you. All that is required to open a Fresh Start Checking Account is a $25.00 deposit and direct deposit. There is a $10 monthly service charge. Call us for more details.

Opening a First Class American Credit Union checking account couldn’t be easier with our friendly staff. If you’d like to learn more about  our checking accounts that we offer, contact us! We’re looking forward to hearing from you!

Contact Us!

Need Assistance?

Call (817) 834-9777

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