Keeping it Simple.
BECAUSE MANAGING YOUR MONEY SHOULD BE EASY.
So many banks use checking accounts as a way to make money...off 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:
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:
Use your debit card for:
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
* Instant Issue only applies to UFirst VISA Debit Cards and is only available at our Plattsburgh Main Branch.
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.
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:
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:
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 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 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: