Checking

person holding papers and using calculator We offer our members a variety of checking account options with features that will save you time and money. 

  • Access your account anytime with Online Banking, and through our mobile banking app
  • Set up eAlerts and eNotices to be notified of important account activity
  • Pay one-time or recurring bills through Bill Pay (within Online Banking)
  • Deposit checks by taking a picture of it with your mobile device (within our app)
  • Access to 87,000 surcharge-free ATMs worldwide
  • Overdraft protection available3
  • Get a secure Visa® Debit Card with EMV chip technology and Visa Purchase alerts.

Identity theft solutions
Already have a checking account somewhere else? No problem. It’s easy to switch to First Nebraska Credit Union. Use our online switch kit, give us a call (402) 492-9100, or stop by one of our locations! To get an overview of all of our products and services, click here. 

To view the chart on a mobile device, click here.

ACCOUNT FEATURESPREMIER* FIRST CLASS* Direct Deposit Required
PREFERRED* Ages 50+CLASSIC*SMART START* Ages 13-22 (4)BASIC* Direct Deposit Required
Most popularMost popular
Earns DividendsN/AN/AN/A
Free Online & Mobile Banking (1)
Free Bill Pay
Free eStatements (1)
Free eAlerts/eNotices (1)
Free Remote Check Deposit (1)
Free ATM or VISA® Debit Card
Free ATM Transactions (FNCU branch ATMs always free!)Unlimited ††4/4/4 FREE 4/4/4 FREE 4/4/4 FREE 4/4/4 FREE 4/4/4 FREE
Free Unlimited Check Writing
Free Checks (2)UnlimitedFirst SetUnlimitedN/AFirst SetN/A
Free Visa® Travel CardN/AN/AN/AN/A
Free Identity Theft SolutionsN/AN/AN/A
Loan Discounts (3).25% on new loans.25% on new loans.25% on new loans.25% on new loansN/AN/A
Earn a higher rate with Rewards Term Share Certificates
Overdraft Protection Available (3)
Eligible for an Advantage Plus Money Market AccountN/AN/AN/A
Minimum Balance Requirement$2,500N/AN/A$200N/AN/A
Monthly Fee$10 (if balance falls below min.)$2$2$3 (if balance falls below min.)N/A$5

* To qualify for a checking account, you must meet certain eligibility requirements.
(1) Text, data and other wireless carrier charges may apply.
(2) Unlimited free FNCU checks with Premier and Preferred checking accounts. First set of checks free with First Class and Smart Start checking accounts.
(3) Standard credit qualifications and other restrictions apply.
(4) Smart Start Checking Account may require a parent/guardian joint owner until age 19.
† For each non-FNCU branch ATM transaction over four, per account, per month, an ATM Transaction Fee of $2.50 will be assessed. Other bank, credit union, and ATM operators’ surcharges may apply. Cash withdrawals subject to daily limit.
†† The Premier Checking Account includes unlimited free ATM transactions, even if it’s not an Allpoint or MoneyPass ATM. However, other bank, credit union, and ATM operators’ surcharges may apply.