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First Choice America offers free checking to its membership.

The annual percentage yields (APYs) are accurate as of the last dividend declaration date and are subject to change at any time.

Checking Account Rates

April 1, 2012

Average Daily Balance



$ 40,000.00  -   And Over 



        500.00  -   39,999.99

.050% .05%
  • No per check fee

  • No monthly service charges

  • Free overdraft protection from Savings or Vacation Club

  • Dividends are compounded and credited monthly on average daily balance of $500 or more.

  • One order of standard checks free each year to accounts with direct deposit of entire check

  • Subject to consumer report approval

Attention Debit Card Users:
Learn more about overdrafts and overdraft fees, by clicking the following link:  Overdrafts and Overdraft Fees.  You may print this form, sign it, and mail it back to the credit union for overdraft authorization.

Courtesy Pay:

  • Covers inadvertent overdrafts
  • Saves embarrassment of checks being returned to merchants 
  • Saves non-sufficient fund fees from the merchant and late charge fees
  • Your check(s), ACH debits, and Billpayer Payments may be paid, even if the funds are not available, up to $350
  • Your account may be allowed to go negative up to an initial limit of $350.
  • A “worry-free” service available as long as negative balances are promptly restored to a positive balance
  • No one need ever know that your account was overdrawn  

Instead of a non-sufficient fund fee, a service fee of $30 will be deducted from your checking balance for each overdraft occurrence that the Courtesy Pay protects.  Fees are included in the $350 limit and reduce overdraft protection dollar limits.  The order in which transactions are received and processed can affect the total amount of Courtesy Pay fees assessed.  The Credit Union processes items in the order in which they are received.

Available to accounts in good standing.  This is not a loan.  This is a non-contractual courtesy which can be withdrawn at any time by the Credit Union.  Courtesy Pay will not apply to over the counter checks or withdrawals, ATM withdrawals or transfers, Debit Card transactions, First Choice America Online withdrawals and transfers, and 24 Hour Transaction Line withdrawals and transfers. 

ATM Card

Access your money 24 hours a day, 7 days a week with our ATM Card. Learn more, by clicking the following link: ATM Cards

VISA Check Card

Access your checking account with a VISA Check Card.  This card can be used anywhere a VISA Credit Card is accepted and at ATMs.  There is no need to carry your checkbook with you while shopping. Use your VISA Check Card to pay for your purchases.  Purchases with your VISA Check Card are automatically deducted from your checking account.  Stop by your nearest office to apply for a VISA Check Card. (Subject to credit approval) 


Your Credit Union VISA credit and debit card transactions are now protected against fraud by a fraud detection service known as FALCON.

Here’s how it works:

  • FALCON assigns a risk score to each of your VISA credit/debit card transactions.
  • High Risk Score – The Credit Union’s Card Service Center will attempt to contact you in person at the telephone number we have on file to verify the suspicious transaction(s).  If the Service Center representative is unable to reach you and suspects that fraudulent activity is taking place, a temporary block may be placed on your account.

  • To ensure that the Service Center is speaking with the authorized cardholder, you will be asked to verify the last four digits of your Social Security number.  The Card Service Center does not ask for the entire Social Security number.  You have the right to refuse to provide any portion of your social security number; however, doing so may cause a temporary block to be placed on your VISA debit or credit card to protect you against suspected fraudulent activity. 

  • Low Risk Score – You will be contacted by an automated call system, which will:

    • Identify that the call is from the Credit Union’s Card Service Center.

    • Ask you to speak your name to confirm that you are the cardholder.

    • If you are unavailable, a message will be played asking you to return the call to a toll-free number.

    • If you are available, you will be asked to enter the last four digits of your Social Security number on your telephone keypad.  You have the right to refuse to provide any portion of your social security number; however, doing so may cause a temporary block to be placed on your VISA debit or credit card to protect you against suspected fraudulent activity.

    • You will also be given an option to speak to a FALCON representative.

    • If the automated call system reaches an answering machine or voicemail system, the following message will be left for you:

    “Hello.  This message is for (cardholder name).  This is the service center for your Credit Union’s VISA credit/debit card account.  We are calling to verify recent activity that has appeared on your account.  Please give us a call at 1-800-437-9392.  We are available 24 hours a day, seven days a week.  Again, the telephone number is 1-800-437-9392.  Thank you.”

  • When you return an automated call, the system attempts to verify you by comparing the phone number you call from to your home or business phone number on file. If the phone number matches the one on file, the transaction verification procedure will begin. If the phone number cannot be matched, you will be asked to enter the number where you received the message. If the phone number still cannot be matched, the call will be immediately transferred to a FALCON representative.
  • All calls to you are placed between the hours of 7:00 a.m. and 9:00 p.m. in your time zone.  You may call the Service Center at any time – 24 hours a day, 7 days a week.  Please call First Choice America Community Federal Credit Union at 1-800-427-4835 if you have any questions.
The FALCON service team is hard at work behind the scenes watching for suspicious activity and protecting your account against fraudulent transactions!

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