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Compare Accounts



Compare our best checking accounts

Your checking account should be more than just “some account.” You want checking that gives you freedom, flexibility, and the confidence to make the most of your money. Open your Financial Plus checking account online in minutes and start banking your way.

Open an account online in less than 3 minutes!

Use code 'Spring26' when finalizing your app to get up to $300 with direct deposit.*

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Student Checking

Ideal for ages 10–24 who are ready to start building their money-momentum. 

  • Ages 10-24
  • Earn $20 a month just by using your debit card 5 times a month* (up to $240 your first year)
  • No fees
  • Remote deposit
  • Digital banking tools built for you
  • Open online and enroll in minutes

Free Checking

A simple and free account with all the basics

  • No minimum requirements
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card
  • You may qualify for Buy Now, Pay Later >

Go-To Checking
Get more from your everyday banking with Go-To Checking
 
  • Earn 4.15% APY** on balances up to $10,000
  • No fees
  • Remote deposit
  • Digital banking loaded with options
  • Instant debit card
  • You may qualify for Buy Now, Pay Later >
























 

Comparing Checking Accounts

Because not all checking accounts are created equal, here are some features to pay attention to as you evaluate your choices:

  • Online banking & mobile access: A true online checking account gives you control 24/7.

  • Fees & requirements: Some accounts require monthly activity or direct deposit; others don’t.

  • Earning potential: If you want your checking to do more, look for accounts with higher APY.

  • Ease of switching: Life changes. You should be able to upgrade or move to a better account when the time is right. At Financial Plus you can open a checking account online and adjust your account if your needs change.


What Should You Look for When Comparing Checking Accounts?

When comparing checking accounts, it's crucial to assess how well each account aligns with your financial goals. Here are some key factors to consider:

  • Account requirements: Our Free Checking account has no monthly requirements while our Go-To Checking account has a monthly direct deposit and debit card transaction requirement. There are no account fees if all requirements are met.
  • Interest rates: Our Go-To Checking account offers 4.15% APY* on balances up to $10,000, which can help your money grow over time. 

Comparing checking accounts is a crucial step in securing your financial future. Explore the checking account options offered by Financial Plus Credit Union, where you can find the ideal account to meet your financial goals, with no fees and all the essential features you require.


Enroll and Get An Instant-issue Debit Card

At FPCU, our debit cards have a contactless feature that allow you to simply tap it near a contactless-enabled merchant terminal. Plus, all branches are equipped with instant-issue, meaning you get your card as soon as you open your account and you can start using it instantly! 

  • Easily access your funds: With our contactless debit card, you can access your funds 24/7 at ATMs. Whether you're traveling, shopping online, or simply need cash, your funds are always within reach.

  • Track your spending: Easily monitor your transactions within digital banking(Opens in a new Window). Stay in control and keep track of your purchases effortlessly.

Get more info on our debit card >

 

Buy Now, Pay Later at Financial Plus

Manage your spending with "Buy Now, Pay Later." When you use your FPCU debit card to shop, you may be eligible to spread out larger expenses over time. 
 
  • Use your debit card to shop whenever and wherever
  • Spread larger expenses over time 
  • Review and manage all plans and payments right in digital banking


Why Financial Plus?

The best checking accounts aren’t just about features. They’re about the relationship you have with your financial partner. 

We’re committed to:

  • Opportunity: Giving you options so you can grow your money, not just manage it

  • Options: Helping you pick the account that makes sense for your life

  • Service: Supporting your financial health now and as your goals evolve

  • Independence: Empowering you to bank confidently on your own terms

  • Access: Making it easy to open an account online and use your account from anywhere, anytime















Ready to get started?

Pick the checking account that fits you, open a checking account online in minutes, and move forward with confidence.


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*Insured by NCUA. Account available to students ages 10-24 with valid student identification. Member will be automatically transferred to Free Checking account when member turns 25, different terms may apply. To qualify for monthly incentive, you must make five (5) or more monthly qualifying and settled debit card transactions during each calendar month. The maximum incentive is $20 per month ($240 total) and is available for the first 12 months from the account open date. Incentive will be deposited into the account within seven (7) business days after the end of the month in which the qualifying purchases were made. Incentive is subject to 1099-MISC. Restrictions apply. See credit union for details.
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**APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. Dividends paid at month-end on daily balance up to $10,000. A 0.05% APY will apply to balances over $10,000.  A 0.00% APY will apply in months where all requirements are not met. APY current as of 7/6/23. Rates subject to change. Limit one Go-To Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.
 
^Insured by NCUA. Receive incentive when you open a new checking account (no minimum balance requirement) with a minimum direct deposit of $500 for two consecutive months. Incentive deposited within 15 days of meeting the incentive requirements. Cannot be combined with any other offer. Restrictions apply. See credit union for complete details.