"First Rewards Checking" fromFirst Community Credit Union

The Basics

Minimum Opening Deposit Account may be opened with a deposit of $25.00 or more.: $25.00
Monthly Service Fee There are no Monthly Maintenance Fees with this account.: $0.00
Interest Rate This is a high-yield interest checking account. You can earn 2.25% on balances up to $10,000.00. The rate for balances over $10,000.00 is 0.35%. The rate if you don't qualify for the bonus is 0.10%.To qualify for the bonus rate, each month you must: - Make at least 12 debit card purchases; - Have at least one direct deposit that equals $500 or more; - Receive monthly statements electronically.: up to 2.25%

Debit Cards & Using ATMs

Debit Card: $0.00/yr
ATM Fee Reimbursements Automatic fee reimbursement, as long as monthly account requirements are metRebates are credited to your account at the end of the statement cycle.To qualify, you must meet the same minimums required to receive other incentives.: Yes
Surcharge-Free ATM Access Surcharge-free ATM access is available at all Allpoint ATM locations.: Yes
Non-affiliated ATM Usage Fee There is a $1.50 fee when you use ATMs that don't belong to First Community CU.This fee is reimbursed if this account satisfies the requirements to receive the bonus rate.: $1.50/per use
International ATM Usage Fee There is a $1.50 fee when you use ATMs that don't belong to First Community CU. In addition, there is a fee calculated as 1% of the total amount withdrawn. The $1.50 fee is reimbursed if this account satisfies the requirements to receive the bonus rate.: $1.50/per use

Electronic & Telephone Banking

Online Bill Pay: Free
Mobile & Text Banking This institution supports:- A text messaging service to view account balances, view recent activity, receive alerts;- A mobile-browser website to view account balances, transfer funds, pay bills;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.: Free
Deposit Checks with Mobile Phone: Free
Email Alerts This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).: Included with Online Banking
Automated Phone Banking: Free

Checks & Statements

Unlimited Check Writing: Yes
Free or Discounted Checks: No
Monthly Paper Statements: No
Check Images with Statements: Not Included
Online Statements: Yes
Online Check Images: Yes

Overdrawing the Account

Initial Returned Item Fee You will be charged $10.00 for your first overdraft, $28.00 for your 2nd-4th overdrafts, and $35.00 for every additional overdraft within a 12 month period.: $28.00/per item
Overdraft Protection This checking account has 2 options for Overdraft Protection.From a Line of Credit:- $3.00 transfer fee. Charged per transaction;- Funds are transferred to a zero balance.From a Savings Account:- $3.00 transfer fee. Charged per transaction;- Funds are transferred to a zero balance.: Available

About First Community Credit Union

First Community Credit Union is a cooperative, owned and operated by its members. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is returned to all members in the form of dividends and comprehensive financial services.