Our Secure Checking account earns dividends, includes identity theft solutions, overdraft protection and loan discounts.
With your Secure Checking account you will enjoy the following features:
- Get a secure Visa® Debit Card (available with Visa Purchase alerts), or an ATM card.
- Enhanced fraud protection with EMV chips and contactless cards
- Instant issue cards
- 24/7 fraud monitoring
- Earns dividends (with a minimum average daily balance of $1,000). (view current rates)
- No minimum monthly balance required and no direct deposit required.
- Online/Mobile Banking: Access your account anytime, anywhere!
- eStatements1: Quickly and securely view your statements.
- Bill Pay: Pay one-time or recurring bills through.
- Remote Checking Deposit1: Deposit checks by taking a picture of it with your mobile device (within our app).
- eAlerts1 and eNotices1: Be notified of important account activity.
- ATMs: Access to 87,000 surcharge-free† ATMs worldwide. FNCU branch ATMs always free!
- Round-up savings4
- 25% discount on select style checks.
- Free Identity Theft Solutions
- Overdraft protection available.3
- Loan Discount of .25% on New Money Loans.2
- Earn a higher rate with Rewards Term Share Certificates.
- Eligible for Advantage Plus Money Market.
- $2 monthly fee.
Or stop by any First Nebraska location to open your Secure Checking account.
NOTE: To qualify for a checking account, you must meet certain eligibility requirements. To open a checking account, you must have a share savings account which requires a minimum balance of $5. Checking accounts for ages 13-19 may require a parent/guardian joint owner until age 19.
1. Text, data and other wireless carrier charges may apply.
2. 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.
3. 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. Overdraft Line of Credit also available subject to standard credit qualifications. Other restrictions may apply.
4. When you enroll in the Round-up Savings feature, FNCU will round up your debit card transactions to the nearest whole dollar amount and transfer the difference from your designated checking account to the designated savings account. FNCU will not round up purchases posted for any transaction in which you do not have sufficient funds in your checking account and the round up transfer will be cancelled for that transaction. Transfers will resume as soon as sufficient funds are available. If any debit card transaction is subsequently cancelled or reversed, the corresponding transfer to your savings account will not be reversed and funds will remain in your savings account. ATM transactions are not included in the program. Round-up feature available for each debit card linked to a checking account. Any other FNCU account may be designated to receive the round up amount, excluding IRAs and certificates. You may cancel your participation at any time by contacting the Credit Union. FNCU may cancel or modify the Round-up Savings feature at any time without prior notice.
† 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.
For a list of all fees (some of which may be associated with your checking account), view our Fee Schedule.
