Get the kind of Checking Perks* that feel like VIP access:
Identity Theft Protection!1
Helps you detect,
resolve, and recover from identity fraud, including access to a dedicated fraud specialist.
Credit
Monitoring!1
Sends automated alerts when key changes occur in your credit file, such as new accounts or address changes, so you can spot potential fraud.
Credit Score
and Tracking!2
Lets you view your monthly credit score and offers insights to help you understand and manage your credit health.
Plus all of the features you expect: dividend earning,* loan discounts,3 overdraft protection,4 and more!
Roll out the red carpet…
Our Accounts give your money the star treatment it deserves!
Why settle for ordinary, when your Checking Account can be box-office amazing!
What everyone is saying:
To open a checking account, you must have a share savings account which requires a minimum balance of $5. To qualify for a checking account, you must meet certain eligibility requirements. Certain checking accounts have a monthly service fee or a minimum balance fee. Parent/guardian required for account holders under 18. For more information on our fees for checking, visit firstnebraska.org/checking. All checking products and services are subject to applicable member agreements, terms and conditions.
* Offer available for new checking accounts opened starting 10/1/2025. Offer may change or be discontinued at any time without prior notice. An electronic Fandango gift card, valued at $50, will be emailed to you, within 10 working days from opening a Checking account. Account must be active and the Member enrolled in eStatements. An active account is defined as a Checking account that is open, and has a positive balance at 60 days. If a direct deposit or payroll deduction is set up within 60 days from opening the Checking account, a $25 bonus will be credited to the checking account upon 60 days of active account status. Person-to-person payments and transfers from existing or external accounts do not qualify as the required direct deposit or payroll deduction transaction. (Checking accounts with a $0 balance, overdrawn or closed before 60 days of active status are not eligible to receive any reward.) Offers do not apply to second or multiple checking accounts. Cannot be combined with any other offers. The value of this reward will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer. Minimum balance to earn Annual Percentage Yield (APY): Secure Checking – $1,000 (0.05% APY); Select Checking – $100 (0.10% APY); Premier Checking – $2,500 (0.75% APY); Classic Checking does not earn dividends. The rate may change after the account is opened. The APY is accurate as of 10/1/2025. You must maintain the stated minimum average daily balance to obtain the disclosed APY. Fees could reduce the earnings on the account. Offer ends Dec. 31, 2025. Other restrictions may apply.
** Benefits are available to personal checking account owner(s) and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation.
1) IDENTITY THEFT: Secure, Premier, and Select checking accounts include Identity Theft Solutions; Classic checking does not. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit which is found online at fncucheckingperks.enjoymybenefits.com.
2) CREDIT SCORE: VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month.
3) LOAN DISCOUNTS: Minimum age of 19 to apply for loan. All loans subject to approval. Rates, terms and conditions vary based on creditworthiness, qualifications, verification of sufficient monthly income and collateral conditions. Discount applies to new money only. Some types of loans do not qualify for the discount. Other restrictions may apply.
4) OVERDRAFT PROTECTION: Checking accounts are automatically enrolled with primary savings as a backup funding source in the instance that an overdraft occurs. If checking account does not have enough money to cover a transaction, funds from a linked savings account will automatically transfer (if available). If there are not enough funds available between checking and savings, the transaction may be declined or subject to an overdraft fee. For other overdraft protection options, visit firstnebraska.org/overdraft-protection.
