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Everyone needs a checking account, what you don't need are the monthly fees that usually go with it. That's why we won't charge you any. Our checking accounts offer you financial control and convenience.
We don't like seeing our members get stressed when they accidentally overdraw their checking accounts. So we offer several options to help you avoid the stress of a transaction not going through, no matter how big or small.
Courtesy Pay:
When your funds come up short, we pay the transaction for you for a small processing fee, so you never have to worry about a declined card when you're out buying groceries.
Overdraft Line of Credit:
If you overdraw your checking account your transaction will automatically pull from the Line of Credit to cover your purchases at no charge. You can pay back the balance all at once, or make minimum payments. Minimum of $500 credit limit required.
Link to Savings:
We can automatically link your savings account to your checking account so that if you were to overdraw your account, the funds in your savings would cover the transaction for free.
If you have a checking account, you will need to access it at your convenience, that's why you also get a free MasterCard® Debit Card - you can get yours today by stopping by one of our branches or we can mail it to you! Plus, your First Alliance debit card is:
| APR* | APY** | Balance for APY |
| 0.050% | 0.050% | $1,000.00 |
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