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APR* = 0.100%
APY** = 0.100%
Minimum Balance for APY** = $1,000

Last updated: January 1, 2018
*APR=Annual Percentage Rate. **APY = Annual Percentage Yield.
Talk to representative for most current rates.

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Checking Account Basics

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 account is honest and simple:

  • No need to keep a minimum balance
  • When you keep a balance of $1,000 or greater, we'll pay you dividends
  • No monthly service charges or fees
  • 24/7 access to your account through online and mobile banking 
  • The first box of checks is free when direct deposit is set up
  • Plus members age 62 and above receive one box of checks free each year after
  • Overdraft protection options to help you avoid stressing about spending
  • Free instantly issued debit card for you and anyone else on the account 

Open An Account


Overdraft Protection

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.

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Courtesy Pay:

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.

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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.
Apply today.

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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.


Debit Card

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:

 

Setting up an online account was very easy and didn't take much time. I received a phone call the very next day from a First Alliance representative welcoming me to the credit union.

David from Rochester, MN

Are You Ready To Learn More About First Alliance Personal Banking?

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