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 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)

Walk In. Walk Out. Card in Hand. 

The days of waiting for your debit card via snail mail are over! Whether you're opening a new account, or in need of a replacement card, we will provide you with a new UFirst debit card, in just minutes. 

Benefits of Instant Issue

  • No more waiting weeks for your card to arrive
  • Same secure EMV technology
  • Get an instant replacement if your card is lost or stolen
  • Use it immediately 

* Instant Issue only applies to UFirst VISA Debit Cards and is only available at our Plattsburgh Main Branch

Travel Alerts

Setting a travel notice lets us know that you may be using your card in places outside of your normal spending area. By providing us with the dates of your trip and your destination, especially if it's outside the U.S., helps to ensure your card won’t be suspected of fraudulent activity. If a travel notice is not placed on your card, transactions may be declined due to fraud protection services.

Click the link below to securely submit your travel alert to us. Please know that if you submit your travel alert after business hours or on the weekend, it will not be processed until the next business day. 

Let us know

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

Debit Card Controls

Card Valet is our free mobile app that lets you control how, when and where your debit card is used. 

Benefits of Card Valet:

  • Turn your card "on" and "off"
  • Set alerts for card usage
  • Stick to a budget by setting a spending limit on your card
  • Review balances and transactions
  • Decline unauthorized purchases to help you detect fraud
  • Restrict spending to merchants in your geographic area
  • CLICK HERE to check it out! 

 Download in iTunes        Download in Google Play

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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