Keeping it Simple.

BECAUSE MANAGING YOUR MONEY SHOULD BE EASY.

Everyday Checking

Benefits of Everyday Checking:

  • FREE VISA Debit card
  • FREE access to ATMs through our Co-Op Network
  • Access to 30,000+ branch network
  • One free order of standard checks
  • FREE online Bill Pay
  • No monthly service fees
  • No minimum balance required
  • Direct Deposit available
  • Overdraft protection options

VISA Debit Card

Instantly access your money at any time with the UFirst Visa Debit Card, a safe alternative to using cash or checks.

Benefits of VISA Debit Card:

  • No finance charges or annual fees
  • Fee free ATMs
  • Keep tabs on your debit card using Card Valet
  • Use it with Apple Pay

Use your debit card for:

  • In store purchases where VISA is accepted
  • Getting cash at an ATM
  • Online purchases (consider using Verified by VISA fraud protection)

Debit Card Controls

Benefits of Card Valet:

  • Turn your card "on" and "off"
  • Stick to a budget by setting a spending limit on your card
  • Review balances and transactions
  • Receive real-time card transaction alerts
  • Set up where exactly your card can be used by either a specific location or merchant type like a department store or gas station.

 

Bounce Protection

Overdrafts happen when there isn’t enough money in an account to cover a purchase. You make a mistake in your math or you’re experiencing a little financial pinch. Whatever the reason, we get it and don’t want you to worry. As your financial partner, we have a few options available should you need a little backup when that happens.

Transfer from Savings

Keep extra money in your savings account and we will transfer funds from your savings account to cover charges that would bring your checking account negative if needed. In full disclosure, there is a fee of $10 per transfer.

Courtesy Pay

Courtesy Pay is designed to help prevent items from being returned or declined due to insufficient funds. Under certain circumstances, we may cover your overdraft. We can’t promise to pay every time and not all accounts are eligible. For qualified accounts, UFirst will allow your account to go negative up to a pre-approved limit, for a short period of time for those unexpected emergencies.

How does it work?

If you have debits (checks, ACH, debit card transactions) trying to clear your account when you have insufficient funds, we may cover your overdrafts using Courtesy Pay.

Overdraft Protection

Overdraft Protection is designed to give you a little back up when you don't have enough funds to cover your transactions. When funds aren’t available to clear a transaction or payment, funds will automatically advance to cover it. As an open-ended loan, you can make monthly payments or pay it all back at once, then it’s available should you ever need it again.

Benefits of Overdraft Protection:

  • Fixed rate of 18.00%
  • Maximum credit limit is $1,500.00
  • Affordable payment
  • Avoid overdraft fees
  • No usage fees

 

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