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Our checking accounts have changed quite a lot over the last 100 years–from basic banking in the 1930s to today’s online bill pay, Financial Resources FCU offers personal checking products designed with your convenience and financial goals in mind. Whether looking for basic or high dividend checking accounts, FRFCU’s checking accounts are tailored to the way you want to bank.

Account NameFree CheckingVIP CheckingAdvantage 50 CheckingDirect Advantage CheckingHero CheckingChampion Checking
DescriptionA free account for everyone!
An account for those interested in higher dividends!
Benefits to those 50 and over!
Earn dividends with the convenience of direct deposit or any automatic payment!For active duty Military & Veterans of the U.S. Armed ForcesTo Honor Those on the Front Lines: Teachers, Fire, EMS, & Healthcare Workers
Free Debit CardYesYesYesYesYesYes
Free Foreign ATM Usage12YesYesYesYesYesYes
Free Access to over 55,000 AllPoint Network ATMsYesYesYesYesYesYes
Free online banking with bill payYesYesYesYesYesYes
Free Mobile BankingYesYesYesYesYesYes
Free e-Statements with online check imagesYesYesYesYesYesYes
Free personalized checksNoYesYesNoYesYes
Overdraft Protection AvailableYesYesYesYesYesYes
Daily Minimum Balance RequirementNo$1,500 minimumNoNoNoNo
Monthly Maintenance FeesNo$6.00 Monthly if Minimum Balance falls below $1,500 NoNoNoNo
Interest BankingNoYesYesYesYesYes
Apply Here

All Checking Accounts Include FREE:

ATM dispensing cash

Access to over 55,000 ATMs via our nationwide Allpoint Network.

smart phone banking

Online and Mobile Banking:

  • Easy 24/7 access online banking at your fingertips whenever and wherever you need.
  • Mobile Banking and Mobile Check Deposit for banking that’s never been easier and more convenient.
  • POP Money: Use POP (Pay Other People) Money to easily send money via email or text. Send money to anyone using their email address, mobile number or bank account information 9.
visa debit card

Debit Cards for easy on-the-go payments

british money

Foreign ATM usage
with no fees

umbrella symbolizing overdraft protection

Courtesy Pay –
Overdraft Privilege

buy back debit cards

Buy Back of old checks
and debit cards

Plus

gift wrapped present

A Thank You gift when you open your account with us!

We offer a variety of checking accounts including:

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Free Checking

An account for everyone!

  • No Daily Minimum Balance Requirement
  • No Monthly Maintenance Fees
  • Free Online Banking
  • Free Mobile Banking with Mobile Deposit
  • Free Bill Pay
  • 24/7 Access via Mastercard Debit Card with EMV chip
  • Free Monthly Online or Paper Statements (your choice!)
  • Non-Interest Bearing

VIP Checking

An account for those interested in higher dividends!

  • $1500 Minimum Daily Balance
  • Tiered Interest Rate
  • Free Personalized Checks
  • Free Monthly Online or Paper Statements (your choice!)
  • Free online banking
  • Free Mobile Banking with Mobile Deposit
  • Free Bill Pay
  • 24/7 Access via Mastercard Debit Card with EMV chip
  • Fee of $6 if Minimum Daily Balance is not maintained

Advantage 50 Checking

There are benefits to those 50 and over!

  • FREE personalized checks
  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • Only $25 needed to open an account

Direct Advantage Checking

Earn dividends with the convenience of direct deposit7 or any automatic payment!

  • FREE first box of checks
  • Competitive dividends
  • No minimum balance
  • No monthly service charge
  • Only $25 needed to open an account

Hero Account: for Active Duty Military & Veterans of the US Armed Forces

Financial Resources FCU honors your service by providing you with extra account benefits:

  • $10 Bonus Monthly Dividend
  • Cash Back Rewards for using your Debit Card
  • Bonus relationship Premium rates on Loans and Term Certificates
  • A Custom Military Tribute Debit Card
  • Free Custom Hero Account checks
  • Plus, your Hero Account comes with: No Minimum Balance, No Monthly Maintenance Fee, No ATM Fees, Free Bill Pay, Online Banking, Mobile Banking and Statements.

FRFCU will donate $50 to a local Veteran Service Organization for each new Hero Account!

Champion Accounts to Honor Those on the Front Lines

The Champion Account for Teachers, Police, Fire, EMS & Healthcare Workers:

  • $10 Bonus Monthly Dividend
  • Cash Back Rewards for using your Debit Card
  • Bonus relationship Premium rates on Loans and Term Certificates
  • A Custom Champion Debit Card
  • Free Custom Champion Account checks
  • Plus, your Hero Account comes with: No Minimum Balance, No Monthly Maintenance Fee, No ATM Fees, Free Bill Pay, Online Banking, Mobile Banking and Statements.

Plus, your Champion Account comes with:

  • No Minimum Balance
  • No Minimum Maintenance Fee
  • No ATM Fees4
  • FREE Bill Pay
  • Online Banking
  • Mobile Banking
  • eStatements

FRFCU has established the Champion Family Scholarship Fund exclusively for qualifying Champion Account members. We donate $10 to the fund for each new Champion Account relationship, as well as for each new Champion Consumer Loan & Mortgage.

Checking Rates

TypeMinimum Balance (2)Interest Rate (3)APY (5)
VIP Checking $0-1,499.990.05%0.05%
$1,500.00 and over 0.10%0.10%
Advantage 50 Checking$0 and over 0.05%0.05%
Direct Advantage Checking$0 and over0.05%0.05%
Hero Checking$0 and over0.05%0.05%
Champion Checking$0 and over0.05%0.05%

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