Keeping it Simple.


Everyday Checking

So many banks use checking accounts as a way to make of you. Here at UFirst, we keep it simply FREE. We roll all the great benefits and convenience you need into one, making it the perfect account for every day. 

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 Everyday Spending Card

The everyday spending card works just like a debit card, only without the need for a checking account or the usual check credit. Just load up your Reloadable Everyday Card and use it to make purchases, pay bills, and get cash at the ATM. 

Benefits of VISA Everyday Spending Card: 

  • Use anywhere VISA is accepted
  • Manage spending because all you have to spend is what is on the card
  • No limit to how many times you can reload (There is a small fee of $0.50 that gets deducted from the balance at the time funds are added)
  • Reload at a UFirst location nearest you or on the CUMoney app or website. 

Manage your Card Here

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

Apply Today 


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