Why pay high monthly fees or worry with maintaining minimum balances for a checking account? You’ll get more for your money at First Capital Federal Credit Union. We make it simple with our simply FREE Checking Account:

* NO Minimum Balance required; $500 minimum to earn dividends.
* NO monthly service fees
* NO per item check charge
* FREE first order of checks
* FREE Overdraft Protection from your Share Account
* FREE 24-Hour Online Access with CU@Home
* FREE 24-Hour Telephone Access with All-the-Time Teller
* NO Next Day Cut-Off Times
* NO charge for Pre-Authorized Payments, i.e., Insurance Premiums, PPL payments, etc.
* Have Direct Deposit or Payroll Deductions deposited directly into your Checking/Share Draft Account
* VISA ATM/Debit Card available
* Access through any ATM displaying the PLUS symbol, 24 hours a day, 365 days a year
* Extra account benefits for our members ages 55 and over with our “Capital Classic Account”.
* Easy account reconcilement

Easy Reconcilement

You will receive an easy to read monthly statement listing transactions on all your credit union accounts. And for those that prefer to receive their statement electronically, we offer FREE E-statements. In addition, your drafts (checks) come with carbon duplicates. That way, if you forget to record a draft, you may simply refer to the carbon copy.

Overdraft Protection

First Capital recognizes that overdrafts can happen. Because a fee is incurred for returned checks, we encourage our members to be prepared by offering overdraft protection options. Overdraft protection provides pre-arranged coverage for overdrafts that may occur. When you open your share draft account, Share Overdraft Coverage is automatically set up! To receive additional Overdraft Coverage you may contact First Capital.

* Share Overdraft Coverage - this option means the exact amount of the overdraft is transferred from your regular share account.
* Loan Overdraft Coverage - this option is a line of credit that is available to qualified borrowers to cover overdrafts. The exact amount needed to cover an overdraft will be transferred from the line of credit. Interest accrues daily; beginning the day of the transfer, at the rate established when the line of credit was set up. Ask a loan officer if a line of credit is right for you!

These two overdraft options can be used together and you decide which one should be accessed first to cover an overdraft. As long as funds are available in the selected overdraft option, you will not be charged the $30 fee for each returned draft.

Prepare for the unexpected at your credit union. We make it so easy!

Current Share Rates