Checking Accounts

Checking accounts to fit your needs

With our Simply Checking or Simply More Checking you receive:

No monthly service fee ¹ ²
VISA® Debit Card
Access to over 100 local and nearly 30,000 nationwide no-fee ATMs ³
Access your account nationwide through any CO-OP, AFFN or NYCE networks.
24/7 account access with telephone, online, and mobile banking services

$50 incentive

Struggling with less-than-perfect credit or trouble opening a checking account?

When life happens, rebuilding your financial footing shouldn't be complicated. Our Fresh Start Spend Account gives you a safe, affordable way to manage your money while working toward a stronger financial future. Even sweeter, you can earn a $50.00 incentive! ⁴ Let's get you back on track and help you chase your goals.

Fresh Start features:

VISA® Debit Card
Access to over 100 local and nearly 30,000 nationwide no-fee ATMs ³ (no check deposit)
Access your account nationwide through any CO-OP, AFFN or NYCE networks.
24/7 account access with telephone, online, and mobile banking services
Track Finances with Finance Manager
"Lite Counselor" to help you navigate your new account and graduate to the next level
Free Financial Guidance and Services

To earn your $50 Graduation Credit, simply complete the 6-month program by setting up direct deposit, ⁵ enrolling in e-Statements ⁵ , and using your debit card to make at least 10 purchases ⁵ . You'll also need to complete financial literacy courses, maintain the $20 monthly fee for six consecutive months, and avoid overdrafts, NSF fees, and returned checks. Once all requirements are met over the 6-month period, your $50 reward is yours!

Compare Checking Accounts

Simply Checking

Simply More Checking

Fresh Start Spend Account

Eligibility

Simply Checking

Any FirstLight Member

Simply More Checking

Any FirstLight Member

Fresh Start Spend Account

Membership eligibility requirements apply ⁶

Monthly Service Fee

Simply Checking

Simply More Checking

$0 ⁷

Fresh Start Spend Account

$20 ⁶

Minimum Balance

Simply Checking

Simply More Checking

$2500

Fresh Start Spend Account

Dividends Earned

Simply Checking

Simply More Checking

Competitive dividend rate earned with daily balance of $2,500. Earn even more with a daily balance of $5,000.

Fresh Start Spend Account

Let us help you

We make applying easy

We make applying for a loan fast, simple, and stress-free.

apply for a loan ⁸

apply for a mortgage loan ⁹

Need to become a member?

We’re more than a financial institution—committed to the communities we serve.

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Have questions?

We're part of your community—and always happy to help.

Disclosures

¹ No Minimum balance fee on a Simply Checking Account.

² A $5.00 monthly fee is applied on a Simply More Checking Account, when the minimum balance falls below $2,500.

³ No fee ATMs include CO-OP Network only

⁴ 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.

⁵ Must meet requirement within 6 months in order to qualify for $50 graduation credit.

⁶ 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

⁷ $5.00 monthly fee is applied when checking account falls below minimum balance of $2,500.

⁸ Membership eligibility applies. All loans are subject to approval. Other restrictions may apply. FirstLight is an Equal Opportunity Lender.

⁹ All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender.