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

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 $2,5003 or
  • Be 62 or older and the Primary Member on the account.

Features of all our checking accounts

  • Free, unlimited use of more than 28,000 ATMs — more than most major banks — through the CO-OP Network of credit union ATMs.1
  • 24/7 Online Banking, Mobile Banking 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.4
  • 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. Other financial institutions or merchants may charge for use of their ATM or POS terminal.
  3. Direct deposit amount must be at least $1.
  4. Monthly service charge of $3 when direct deposit and/or minimum share balance requirements are not met.

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.