Checking Accounts

A flexible checking account that gives you more opportunity to remain fee free!

We know one size doesn’t fit all – that’s why we’ve designed a checking account that’s as unique as you are. That matches the way you conduct your personal finances!

What is a Checking Account?

A checking account is a type of bank account that lets you easily deposit and withdraw money. Sometimes called a transactional account, these are accounts for daily purchases, bills and all the other things that make your financial life go round.

Checking Account vs Savings Account

The main difference between a checking account and a savings account is the ease of transactions. Savings accounts are meant to save, meaning you’re unlikely to pay for groceries with that account. A checking account, on the other hand, is made for easy use. Both types of accounts allow you to use your money—it’s yours!

How Do I Open a Checking Account?

Opening a checking account at First Capital Online is easy. Simply apply online or visit your nearest branch.

Why First Capital Online?

Since 1939, we’ve proudly served Arizona with, offering benefits regular banks just don’t have. From overdraft protection to lower banking fees, we aim to give you a better experience at every step.

All Checking Services

Personal Checking

We are so confident you’ll love our checking accounts, we’ll give you $200 just to try!*

Overdraft & Identity Protection

Saving you the inconvenience, embarrassment and added expense of overdrafts. These include fees for insufficient funds, late payments or returned items.

*To qualify, the member must mention this offer when opening a new checking account with First Capital Online. The $200 bonus will be deposited to the member's new checking account within ten (10) business days after the following three (3) requirements have been met. 1. Signed up and currently enrolled in eStatements. 2. Has performed at least fifteen (15) debit card transactions within the first sixty (60) days of account opening. AND 3. Have a direct deposit of at least $250/month. APY on checking accounts range from 0% to 0.10% APY based on product type and may vary. Minimum to earn APY is $1.00. Fees may reduce earnings. Bonus is considered interest and will be reported on IRS Form 1098-INT. Cannot be combined with any other offers. Offer valid for new checking accounts opened by 12/31/2020. Terms and conditions subject to change without notice. The new member must maintain the membership account and meet the above requirements for six (6) consecutive months, otherwise the $200 bonus will be deducted from the new member's account upon closing and/or failure to meet requirements. $5 minimum balance must be maintained at all times to remain eligible for credit union services. This is a one-time offer and is non-transferable. Federally insured by NCUA

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