Simply Free
Who doesn’t want a free checking account? Many traditional banks claim to offer 'free' checking, but it takes FirstLight's Simply Free account to help you move beyond banking! There is no minimum balance requirement to meet and no monthly service charges billed. Write as many checks as you like at zero cost! Access to your account is always available 24/7 through online banking, PAL voice response service, our Visa® Check Card, or through any PULSE®, CIRRUS®®, CO-OP or AFFN® network ATM!
Relationship Rewards
It’s time to reward your self at FirstLight! When you keep combined balances of least $10,000 per account, you can cash in on even more benefits, such as…
- Free money orders, cashier’s checks and traveler’s checks
- Eight free non-credit union ATM transactions each month*
- Free FirstLight FCU custom image checks (up to two boxes per year)
- Free Automated Bill Pay
- 25% discount on safe deposit boxes where available
- Free incoming wires
- 2% discount on FIRSTLIGHT FEDERAL CREDIT UNION credit card**
* Non-credit union ATMs may carry charges from other financial institutions
** Rates are subject to change without notice
Simply More
If getting cash back is music to your ears, Simply More Checking is our symphony! With a minimum average daily balance of $1,000, you earn a competitive dividend rate. If your balance falls below the minimum, you pay only $5 per month! With the Simply More account, you also enjoy the benefits of the Simply Free Checking account, such as unlimited no-fee transactions, and convenient 24-hour account access. This is what it's like when you move beyond banking!
Relationship Rewards
Reward yourself by keeping combined balances of at least $10,000 per account, and you’ll be cashing in on even more benefits, like…
- Free money orders, cashier’s checks and traveler’s checks
- Eight, free non-credit union ATM transactions each month*
- Free FirstLight FCU custom image checks (up to two boxes per year)
- Free automated bill pay
- 25% discount on safe deposit boxes where available
- Free incoming wires
- 2% discount on FIRSTLIGHT FEDERAL CREDIT UNION credit card**
*Non-credit union ATMs may carry charges from other financial institutions.
** Rates are subject to change without notice
Simply 50
Simply 50 Checking is made to order just for members age 50 and older, with the features designed specifically for you. There is no minimum balance required and no monthly service fee or writing fees with this account. Even better, you can earn dividends if you keep an average daily balance of $1,000 in your account at all times, with even more dividends with an average daily balance of $5,000. Dividends are just one more benefit you get when you move beyond banking with FirstLight Federal Credit Union!
You’ll also receive…
- Free money orders, cashier’s checks and traveler’s checks
- Free FirstLight custom image checks (2 boxes per year)
- 25% discount on safe deposit boxes where available
Relationship Rewards
By keeping a combined balance of at least $10,000 per account,
you’ll also receive Relationship Rewards – which means even more benefits and features!
Benefits include…
- Eight, free non credit union ATM transactions each month*
- Unlimited free FirstLight custom image checks
- Free automated bill pay
- 25% discount on safe deposit boxes where available
- Free incoming wires
- 2% discount on FIRSTLIGHT FEDERAL CREDIT UNION credit card**
* Non-credit union ATMs may carry charges from other financial institutions.
** Rates are subject to change without notice
Express Business Checking
Ideal for small businesses just starting off with their entrepreneurial dreams. Your business is unique, and the features of FirstLight's Express Business Checking will be sure to fit any of your needs!
- $100 minimum opening deposit.
- $100 required average daily balance.
- 100 free monthly transactions, with a nominal $0.25
activity charge for transactions over free monthly limit.
Advantage Business Checking
Advantage Business Checking is a great fit for those business owners who are more active with their checking accounts. By maintaining a $2,000 minimum daily balance, this account allows increased activity like more monthly transactions and more free incoming and outgoing wires.
- $1000 minimum opening deposit
- 200 free monthly transactions, with a nominal $0.25 activity charge for transactions over the
monthly allowance
- A $10 maintenance fee is applied if average balance falls below $2,000
Premiere Business Checking
If your business has higher liquidity and greater transactional requirements, Premier Business Checking is perfect for you. By maintaining a minimum $7,500 daily balance, this account has the advantage of accommodating higher activity and delivers plenty of perks. Best of all, this account is interest bearing!
- $1000 minimum opening deposit
- Receive 400 free monthly transactions, with a $0.25 activity charge for transactions over the
free monthly allowance
- A $15 maintenance fee will be charged if balance falls below the required $7,500.
Business Relationship Rewards
By maintaining a combined gross average monthly balance of $10,000, you will earn…
- Free money orders, cashier’s checks, and traveler’s checks
- Eight free non-credit union ATM transactions each month*
* Non-credit union ATMs may carry charges from other financial institutions.
The benefits don't stop there! Earn an additional $40 credit toward your annual check order by maintaining a combined gross monthly balance of $20,000. You can't get features like that at a traditional bank, but you can at FirstLight Federal Credit Union when you choose to move beyond banking!
*These services are only available to the new Business Savings Account and any of the following business accounts: Simply Start-Up Business Checking, Simply Business Checking and Simply More Business Checking
Visa Business Check Card
Did you know that you can get a Visa® Business Check Card with any Business Checking account at FirstLight? It works like cash, but without the worry or the hassles! Move beyond banking with First Light Federal Credit Union!
Forget about checks –The FirstLight Federal Credit Union Visa® Check Card works like a credit card, but without the finance charges! One swipe at any register and purchases are deducted straight from your Business Checking account. You’ll get a receipt for easy record keeping and each purchase will be detailed on your account statement for your convenience.
Forget about carrying cash – For added simplicity, the Visa® Business Check Card can also act as your ATM card, for use at 12 million locations that accept Visa® and at each FirstLight ATM! It is accepted at any ATM with the CIRRUS®, PULSE® or AFFN® logos. Benefits include:
- Convenience of being able to make purchases in places where checks are not accepted
- Avoid racking up credit card bills while having the convenience of a card
- Receipts that allow for easy record keeping
- Statements that make it easy to keep track of purchases
- Saving money by not paying unnecessary fees
- All Visa® Business Check Card cards earn CU Rewards points. Every purchase made with
your business credit card earns you points toward valuable rewards. You can take home a
reward for as few as 2,500 points! CU Rewards gives you access to quality merchandise
and exciting travel
Cha-Ching Teen Club Checking
This club is a financial education savings program for members age 13-17, giving your teen practical advice on financial topics that truly matter, such as checkbook balancing, budgeting, and understanding financial terms. The benefits of the Cha-Ching Teen Club include...
- A birthday card and quarterly newsletter
- Account register and ATM card
- Free checking account with Visa® debit card
- Dividends paid on any balance at a premium rate
- Dream builder share certificate that makes earning higher dividends easy
- First Advantage Visa® secured credit card and share-secured loans up to$1,000 with parent or guardian co-signature
To join the Cha-Ching Teen Club, the child must meet membership eligibility requirements and have a parent or guardian as a joint owner. Move beyond banking or skip it entirely and come directly to FirstLight Federal Credit Union!
