Checking Designed with You in Mind
We give you the flexibility to choose from four checking account options for your lifestyle. Whether it’s earning interest, protecting your identity, or avoiding hefty fees, we’ve got something with your name on it. Because we’re not a one-size-fits-all kind of place.
Popular Benefits of all Checking Accounts
No matter which one you choose, you’ll enjoy an array of benefits – including:
• Free Instant Issued Visa® Debit Card to swipe, insert, or use in your digital wallet
• Free Online & Mobile Banking, plus remote check deposit and bill pay
• Free access to FCFCU Wallet to set card alerts, control spending, and more
High Interest Checking
The best way to make more with your money
• Earn a competitive rate on your everyday checking
• No monthly service charge when daily balance requirement is met
• Enjoy no transaction or direct deposit requirements
NEW! We elevated our rate by 900% to become one of the most competitive in the market. Visit our High Interest Checking page to learn more.
$10 monthly service charge if the average $1,500 daily balance is not maintained
Champion Checking
The best way to protect what matters most
• IDProtect® with monitoring tools to keep you and your family protected
• Earn dividends at a competitive rate on balances over $1,000
• No minimum balance
$3.95 monthly charge, includes IDProtect® service
Key Benefit: Secure Yourself with IDProtect®
Identity theft continues to rise in the United States and many protection services range from $15 to $35 monthly. With Champion Checking, simply register and you and your family will receive valuable coverage at an affordable monthly charge. Learn more about this service today!
Direct Interest Checking
The best way to earn from your automated payments
• Earn a competitive rate with direct or automatic deposit added within 60 days of opening
• No monthly service fees and no minimum balance when direct or automatic deposits are added
• An effortless way to earn APY
Simply Free Checking
The best way to enjoy hassle-free checking
• No monthly service fees and no minimum balance
• No monthly transaction requirements
• Avoid hefty fees and take advantage of local, personalized service
Featured Benefit: ATMs Anytime, Anywhere
You'll never be caught without cash again! With every checking account comes free access to nearly 5,000 ATMs across the United States.
Enjoy surcharge-free transactions anywhere you see the Alliance One logo at many credit unions and select Speedway, Walgreens, Kroger, Target, and CVS stores.
Find a nearby ATM on our locations page.
Because We’re A Credit Union
Where you bank matters, and because we’re a credit union, you’ll receive these extra benefits:
Overdraft Protection Options
Accidentally overdraw your checking account? It happens! We have various options to help you navigate those times that life throws you a curveball. Our staff will be happy to talk through what’s best for your situation at a location or on the phone at any time.
Personalized Service in Your Neighborhood
Tired of calling your bank and listening to elevator music? We’re here for you, with many locations in Central Indiana where you can stop by and talk to us about anything, anytime.
Frequently Asked Questions
We’re here to help – now or any time you need us! Contact us for guidance on your unique situation or explore these Frequently Asked Questions:
What’s your routing number?
It’s 274073876. Use this number to identify Financial Center as your credit union when making ACH or wire transfers, or setting up direct deposit.
I’m already a member. How do I open a checking account or change to a different one?
To open a new account, log in to Online or Mobile Banking and complete your application there or visit a banking center for a personalized experience.
Think a different account better fits your needs? Great! We can help you switch to the account that matches your lifestyle anytime. Contact us or visit a banking center.
How do I set up my direct deposit?
It’s easy! Just use this form and provide it to your employer. For quick reference, our routing number is 274073876. If you have specific questions, just reach out.
How do I make my first deposit?
A $50 minimum deposit is required. If you’re opening in-person, you can make your deposit then. If opening online, there are multiple options for making this deposit:
• Visit a banking center or shared branch
• Mail a check with your account number and instructions to Financial Center at: PO Box 26501 | Indianapolis, IN 46226
• Use a deposit-taking ATM once your debit card arrives
• Transfer via online or mobile banking or a remote check deposit
How do I order checks?
While your account does not initially come with checks, we’ve made it easy to order them. Visit our checking partner’s website or ask one of our helpful staff at any location.
How do I receive my debit card?
Visit any of our locations for an instant-issue card when you open an account in the branch. If you open your account online, you’ll typically receive it in the mail in 7-10 business days.
How does the out-of-network ATM program work?
Didn’t find one of our many network ATMs nearby? We’re happy to waive our fees for your first four transactions at any ATM outside of our network monthly. While there still may be a surcharge from the other financial institution, you’ll avoid the typical $2-3 foreign ATM fee from Financial Center.
How can I quickly move my re-occurring transactions from another financial institution?
Meet ClickSWITCH! It’s our automated account switching solution that makes it easy for you to quickly and securely move your recurring direct deposits and automatic payments from your previous financial institution to your Financial Center account.
Simply visit any location or give us a call for an access code to get started.
How much can I earn in APY from my checking account?
As a not-for-profit, we’re committed to giving you higher rates on your deposits. Explore our current rates to learn how much you can earn.
How can I remotely deposit a check?
Getting your cash is just a snap away! Use the Financial Center mobile banking app and capture a photo of the front and back of your check. These checks typically appear in your account the next business day after being verified by our security team.
How can I get paid for my old checks and debit cards from another financial institution?
We believe we’ve got some of the best products in the business, so when you come in to open your account, we’ll give you $2 per pad of checks and $2 per debit card from another financial institution to make the switch – up to $10. Just stop by one of our branches to take advantage of this offer.
I work for a Financial Center partner. How can I receive extra benefits?
Do you work for one of our partner organizations? Lucky you! You’ll enjoy extra benefits – so reach out to us today to learn about discounts and special offers.
Download Product Flyers
Want to print information about these products? Download PDF versions here:
APY – Annual Percentage Yield. $50 minimum deposit required for all checking accounts. Financial Center First Credit Union membership required. Federally Insured by NCUA.
Indianapolis, IN 46226-0501
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