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Checking Accounts
Interest Rates Certified by Datatrac

Whether you need an easy to use checking account or want a checking account that can help you grow your money, we have the right one to fit your needs. With our Simply Checking or Simply More Checking you receive:

  • No monthly service fee*
  • VISA® Debit Card with Purchase Rewards
  • Access to over 100 local and nearly 30,000 nationwide no-fee ATMs**
  • Access your account nationwide through any CO-OP, AFFN or NYCE networks.
  • 24/7 account access with telephone, online, and mobile banking services

*No Minimum balance fee on a Simply Checking Account.  A $5.00 monthly fee is applied on a Simply More Checking Account, when the minimum balance falls below $2,500. 

**No fee ATMs include CO-OP Network only

Direct Deposit:

You can now make your life a little easier by signing up for direct deposit. This service allows your employer to deposit your paycheck directly into your FirstLight Checking account without ever having to do it yourself. You can relax knowing that every payday, your money will be safely and securely deposited, and it’ll be ready for you to use! This service is also available for recurring payments such as Social Security, VA compensation or retirement funds. Sign up today!

Download the Direct Deposit Form

Become A Member

Compare Checking Accounts

  Simply Checking
Simply More
Fresh Start Spend Account
Eligibility Any FirstLight Member Any FirstLight Member Membership eligibility
requirements apply ***
Monthly Service Fee $0 $0* $20.00***
Minimum Balance $0 $2,500 $0
Dividends Earned No Competitive dividend rate earned with daily balance of $2,500. Earn even more with a daily balance of $5,000. No


*$5.00 monthly fee is applied when checking account falls below minimum balance of $2,500.

**No fee ATMs include CO-OP Network only.

***Membership eligibility requirements apply. Fresh Start Spend Account has a $20 monthly service fee until graduation requirements are met. Not all accounts earn the graduation credit, refer to Fresh Start Spend Account disclosure for details. Contact us for the full disclosure. Data rates may apply for use of additional account services. Federally insured by NCUA.*Must meet requirement within 6 months in order to qualify for $50 graduation credit