Personal Checking

Elite Checking

For our members who consistently maintain a high balance in their checking account and enjoy the security and convenience of direct deposit. Elite Checking is our high dividend-bearing checking account that allows you to enjoy free checks, free gift cards, no foreign ATM fees^, a bonus rate on IRA Term Share Certificates & Term Share Certificates* and a discount on Consumer Loans**. We encourage you to open an ATM/debit card so that you can take advantage of our convenient ATM locations. As with all of our checking accounts, you can also take advantage of free access to Mobile Banking, Fireline (online banking), online Bill Pay and eDocuments.

Interest Checking

This tiered account is for the member who wants to earn dividends on their checking account, but prefers to maintain a lower balance. With Interest Checking you'll start earning dividends on the first penny you deposit! In addition, you'll enjoy free checks and ATM/debit card. You can also take advantage of free access to convenient services such as Mobile Banking, Fireline (online banking), online Bill Pay and eDocuments. Click here for our Interest Checking tiers and rates.

Free Checking

A Firelands Federal Credit Union Free Checking account is just that - FREE!
There are no monthly fees and no minimum balance requirements. This account is great for members opening their first checking account! As with all of our checking accounts, you'll have free access to our convenient services such as Mobile Banking, Fireline (online banking), online Bill Pay and eDocuments. We encourage you to apply for an ATM/debit card so that you can take advantage of our convenient ATM locations and have access to your money when you need it.

Members Age 62 & Better

Members age 62 and better always receive two (2) free boxes of checks per year regardless of which of these checking accounts they have. See a Member Service Representative for more details.

 

Elite
Checking

Interest
Checking

Free
Checking

Minimum
Balance
 None
None
 None
Monthly
Fee
 $20.00
 $10.00
 FREE
How To
Avoid The Fee

 Maintain $10,000
avg. daily balance
&
Have direct deposit

Maintain $1,000
avg. daily balance
 N/A
Dividends

Yes
Click for dividend
rates
 
Yes - Tiered
Click for dividend
rates
 No
What's
Free?
 
1 box of checks per order
 
BONUS* on
Share Certificate Rates
 
DISCOUNT 0.50%** on
Consumer Loan Rates

Gift cards

Foreign ATM fees^

1 box of checks per order
N/A 

*Excludes Smart Saver Youth Certificates, Kid's and Teen Club Certificates. New or renewing Certificates only. **Discount rate does not apply to Mortgage Loans or Credit Cards. New or refinanced loans only. ^Surcharge may be imposed by other financial institutions.

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