We have the perfect blend of what you need and want in a Checking Account.
Overdraft Protection2 automatically moves money from your Savings into Checking if you accidentally have a negative checking balance. We do not charge for this feature. (Save yourself the cost of an overdraft fee.)
Overdraft Line of Credit3 automatically advances money from your Checking Line of Credit into Checking if your account is overdrawn. Balance will be deducted from the checking account on the 30th of each month.
Loan Discounts: We’ll deduct 0.25% off new loan rates. (Special loan rates or refinance not eligible for additional discounts.)4
Identity Theft Solutions5 can help you recover from identity theft (not just your FNCU accounts), at no extra cost to you! It also extends to cover your entire family! We include this valuable benefit as part of your Checking Account, because we want to help protect you.
GET a Latte MORE at FNCU!
Here’s an extra PERK for you!
Earn $251 when you open a Checking Account now!
Earn another $251 if you setup Direct Deposit!
Of course our Checking Accounts include what you need, but we sprinkle some extra LOVE on top, including a great Online Banking app with Bill Pay!
PLUS, when you need something, call the credit union and speak with someone at the branch!
Is it time to INDULGE
in a Checking Account?
Did you know?
We offer FREE Coffee at each of our branch locations!
Stop in and Get a SIP of what WE have to offer!
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 19. 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.
1) All offers valid only for new checking accounts opened starting 10/1/2024. Offer may change or be discontinued at any time without prior notice. Member will receive a $25 bonus for opening a checking account, and an additional $25 bonus for setting up direct deposit or payroll deduction. (Person-to-person payments and transfers from existing or external accounts do not qualify as the required direct deposit or payroll deduction transaction.) Bonus will be credited to the checking account upon 60 days of active account status. An active account is defined as a Checking account that is open and has a positive balance at 60 days. (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 – $500 (0.05% 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 9/30/2024. You must maintain the stated minimum average daily balance to obtain the disclosed APY. Fees could reduce the earnings on the account. All checking products and services are subject to applicable member agreements, terms and conditions. Limited time only.
2) 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.
3) OVERDRAFT LINE OF CREDIT: Terms and conditions based on approved credit and verification of sufficient monthly income. ODL requires repayment terms of 3-5% of the outstanding balance at the end of the statement cycle or $25, whichever is greater. All payments are set up for automatic deduction from the share draft checking account on the 30th day of the month. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. The rate is a fixed based on the type of line set up. See firstnebraska.org/rates-overdraft-line-of-credit. Some restrictions may apply.
4) LOAN DISCOUNTS: All loans subject to approval. Rates, terms and conditions subject to change and vary based on creditworthiness, qualifications and collateral conditions. Discount applies to new money only. Some types of loans do not qualify for the discounts. Other restrictions may apply.
5) IDENTITY THEFT SOLUTIONS: Secure, Premier, and Select checking accounts include Identity Theft Solutions; Classic checking does not. For more information, visit firstnebraska.org/identity-theft-solutions.
