If you're interested in earning dividends on your balance, and don't mind keeping a minimum balance, then Investment Checking might be just your thing.

Unique account features

  • Earn dividends that increase with higher balances (SEE TODAY'S RATES).
  • Earn Member Rewards for every transaction.
  • Get a free, chip-enabled Debit Mastercard®.
  • Write as many checks as you want.
  • Get six free out-of-network ATM withdrawals per month.1
  • $3 monthly fee if age or minimum balance requirements are not met.

Get our $3 monthly fee waived

  • Have direct deposit and a daily minimum combined share balance of $1,0002 or
  • Have a combined share balance of $2,500 or
  • Be 62 or older and the Primary Member on the account.

Features of all our checking accounts

  • Free, unlimited use of more than 30,000 ATMs — more than most major banks — through the CO-OP Network of credit union ATMs.3
  • 24/7 Online Banking, Mobile Banking4 with eDeposit, and TellerPhone to check balances and make payments and transfers.
  • Pay all of your bills, all at one time, all in one place with Online Bill Pay.

How to open your account

  • Make a $25 minimum opening deposit.
  • Complete a ChexSystems, Inc. verification.
  • Be 18 or older.



Log in to Online Banking to get started.

Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



  1. $1 charge per each additional withdrawal at non-SchoolsFirst FCU/CO-OP Network ATMs (waived for school employees).
  2. Direct deposit amount must be at least $1.
  3. Other financial institutions or merchants may charge for use of their ATM or POS terminal.
  4. Data charges may apply. Check with your mobile provider.

Refer Family or Friends

Invite your immediate family and eligible colleagues to join SchoolsFirst Federal Credit Union!

Not a Member?

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.