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Checking Accounts

Your checking account is the center of your financial life. That’s why at First Watch we focus on offering FREE checking products.


Compare our accounts.

You can save money with a free checking account that doesn’t have all the big bank fees. No bank catches. No kidding. We are determined to put your money to work for you.

Checking

Simply Free

  • NO Minimum Balance Requirement
  • NO Monthly Service Fee
  • UNLIMITED Check Writing
  • UNLIMITED Withdrawals
  • Two Fee Refunds Per Year ($50 Value)
  • Re-Order Checks Here
Checking

Simply 50+

  • NO Minimum Balance Requirement
  • NO Monthly Service Fee
  • DIVIDENDS Paid Monthly on Balances Over $100
  • UNLIMITED Check Writing
  • UNLIMITED Withdrawals
  • FREE Box of Checks Per Year
  • FREE Cashier Checks/Money Orders
  • Two Fee Refunds Per Year ($50 Value)
  • Three Foreign ATM Refunds Per Year
  • Discounted Gift Card Fee
  • Re-Order Checks Here














FREE with All Checking Accounts

  • Debit MasterCard
  • Access to 30,000 FREE ATMs
  • Access to over 70 FREE ATMs in our service area
  • FLEX Teller – Online Banking
  • Mobile Banking/App
  • Bill Pay
  • E-Statement
  • PAL Line- 24/7 Phone Teller
  • Notary Service
  • Overdraft Protection
  • Unlimited Teller Transactions
  • Direct Deposit
  • Payroll Deduction
  • Electronic Drafts/ Payments
  • Incoming Wire Transactions
  • Three Check Copies Per Month
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Home equity

Tap into your home's value.

Find out how you can get the necessary funds for any worthwhile project. You can borrow a maximum of 80% of your home's value.

















Customer Service

Our first goal.

First Watch Credit Union's goal is to provide our members with the best and most comprehensive list of in-branch and online services.