Make your money POP with a NEW Checking Account

Why are you STICKING with your current Checking Account?
Compare your account to ours!

checking accounts


It’s not ALL about the FLAVOR – it’s about taking care of you! If you have a question about your account, how you can save money, or if you have a problem with your transaction or statement, be assured – we take every inquiry to heart! We’ll STRETCH the extra mile to find the solutions that work best for YOU.

Congratulations to our winners:

Lorie K – Bedford Branch

Vanessa C – 48th St. Branch

John S – Elkhorn Branch

Abel S – Lincoln North Branch

Trevor S – Yankee Hill Branch

View Giveaway Rules »

Overdraft Protection3

Overdraft Protection automatically POPS 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.)


You have SWEET access to more than 87,000 surcharge-free ATMs worldwide with our Allpoint and MoneyPass ATM networks. (more than 100 in Omaha, 60 in Lincoln, and 9 in Elkhorn!)

Identity Theft Solutions4

Identity theft solutions can help you recover from ANY type of identity theft (not just your FNCU accounts). It also STRETCHES to cover your entire family! We include this valuable benefit as part of your Checking Account, because we want to help protect you.

Loan Discounts5

We’ll CHEW 0.25% off new loans. (Special loan rates or refinance not eligible for additional discounts.)

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
All checking products and services are subject to applicable member agreements, terms and conditions.

1) Minimum balance to earn the higher Premier Plus dividend Annual Percentage Yield (1.25% APY) is $2,500. APY is accurate as of 12/1/2022. The rate may change after the account is opened. You must maintain the stated minimum average daily balance, post and settle at least 35 eligible debit card transactions, be enrolled in e-Statements and have direct deposit . If all criteria are met during the statement cycle, the account will earn the Premier Plus dividend rate listed above on balances up to $10,000. If all criteria are not met, the account will earn the standard dividend rate (.15% APY). Fees apply if you go below the minimum balance anytime during the month and could reduce the earning on the account. Eligible transactions include all approved PIN or signature-based purchases. ATM transactions are not eligible.

2) Enter Nov. 1 through Dec. 15, 2022. To be eligible, you must: 1) be a legal U.S. resident, 2) be an FNCU member, or be eligible for FNCU membership (See for membership eligibility.). Limit one (1) entry per person. Odds of winning a prize is based on the total number of eligible entries received during the Promotion Period. Five winners, one from each branch, will be selected from eligible entries, based on who guessed the closest number of gumballs in the gumball machine at the branch where entry was completed. If there are more than one guesses that are closest to the actual number, a random drawing between those entries will be held to determine the winner. Each winner will receive one bubble gum machine with gumballs. Prize is valued at $36. No purchase necessary.

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.

4) Secure and Premier checking accounts include Identity Theft Solutions; Classic checking does not. For more information, visit

5) 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.