Checking Accounts

Whether you need simplicity or added security, our checking options are built to fit your lifestyle.

Basic Checking

Basic Checking is designed for everyday checking transactions and comes with all the checking account features you need!

Features and benefits include:

No minimum balance requirement.
No monthly service fee when the account meets balance or direct deposit conditions.
Easy access through FBFCU Online and FBFCU Live Mobile Banking.

Secure Checking

Secure Checking is loaded with valuable benefits and is designed to protect you and your family.

Features and benefits include:

No Minimum Balance requirement.
Earns interest on balances over $2,500.
No monthly service fee when the account meets balance conditions.
Easy access through FBFCU Online and FBFCU Live Mobile Banking.
Unlimited bill pay.
Cell Phone replacement or repair up to $300.
Identity Theft Monitoring and expense reimbursement.
Free credit reports.
90-Day purchase protection against accidental damage, fire, or theft.
Coupon codes, travel discounts, and more!

Account Comparison & Rates

Checking Account Comparison Chart

Account Feature¹	Secure Checking	Basic Checking
Minimum Balance	Not Required	Not Required
Monthly Service Fee	$5.95 (waived with minimum ADB of $10,000 or more)	$2.95 (waived with minimum ADB of $200 OR recurring direct deposit)
Earns Interest	Balances of $2,500 or more	N/A
Online & Mobile Banking	Remote Deposit up to $10,000	Remote Deposit up to $10,000
Bill Pay	Unlimited	4 free, $0.50 each thereafter
Online Transfers to Other Financial Institutions	Unlimited	$4.00 Next Day; $2.00 for 3 day (per transfer)
Direct Deposit	Not Required	Required for monthly service fee waiver
eStatement or Paper Statement	Your Choice (No charge)	eStatement (No charge) or $2.00 Paper Statement Fee
Check Writing	Unlimited	4 Free, $0.10 Each Check Thereafter
Foreign ATM Fees	4 free per month with ADB of $5,000; then $1.50 each	$1.50 each
Cell Phone Protection²	Up to $300	N/A
ID Protect Credit Monitoring²		N/A
Buyer Protection², Shopping rewards, and more!		N/A
¹The monthly service fee is waived with a minimum Average Daily Balance (ADB) of $10,000 or more for Secure Checking, and a minimum ADB of $200 or more AND recurring direct deposit for Basic Checking. Interest earned is based on the ADB. Fees for online transfers to other financial institutions are per transfer. Transactions at Foreign ATMs include inquiries and exclude charges imposed by the ATM owner. Additional qualifications and restrictions may apply to all account features. ²Benefits are available to personal checking account owner(s), their joint account owners, and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Go to www.fortbraggfcu.org/checking-accounts to register for Secure Checking Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes spouse, persons qualifying as a domestic partner, children under 25 years of age, and parents of the account holder who are residents of the same household.

Checking Account Rates

Checking Account Rates***

Effective Date: 10/01/2025

Account	Balance	Dividend Rate	APY	Type
Basic	N/A	No Dividends	No Dividends	N/A
Secure	$2,500 or greater	0.10%	0.10%	VARIABLE
Skyward	$100 - $25,000	0.05%	0.05%	VARIABLE
***Saving and Checking Account rates are set monthly. Dividends on Savings are determined by dividing the Average Daily Balance (ADB) among each tier, and the accumulated amount is applied monthly. When the average daily balance includes multiple tiers, the resulting Annual Percentage Yield (APY) is blended. The calculated APY assumes an ADB of $500,000. Dividends on Checking accounts are paid on the ADB and credited monthly.

Register for Secure Checking Benefits

After opening your Secure Checking account, you will need to register your account to activate account protections and benefits.
If you have misplaced our access code, please click on the "FB chat with me" button (on the right side of this webpage) and type "secure checking access code" in the message box.

Youth Checking Accounts

We also offer account options designed specifically for those 12 to 18 years old to help them learn smart money habits early.

Click here to learn more!

APR = Annual Percentage Rate. Advertised rates may include additional discounts when applicable and are based on creditworthiness and the term of the loan. Click here for details about our loan rates. **APY = Annual Percentage Yield. Click here for details about our savings rates. Loans and savings rates are subject to change at any time and are not guaranteed.