Elevated Interest Checking

Your balance has a day job now.

Open Elevated Interest Checking

Elevated Interest Checking

Your balance has a day job now.

Open Elevated Interest Checking
Rates as high as
1.75 % APY1

for Elevated Interest Checking accounts.

No monthly transaction

or direct deposit requirements.

Elevated Interest Checking

Your balance has a day job now.

Open Elevated Interest Checking

Your everyday money could be doing a little more.

Your Checking Account handles plenty of day-to-day spending – but that doesn’t mean the money sitting there has to sit still. Elevated Interest Checking1 lets you earn a competitive rate on your balance while keeping your money ready for wherever life takes you.

With Elevated Interest Checking1, you can:

  1. Earn a competitive rate on your everyday balance 
  2. Skip the monthly service charge when you meet the balance requirements 
  3. Bank without monthly transaction requirements
  4. Manage everyday money with Digital Banking
  5. Get a Visa® Debit Card for everyday purchases

Earn on it. Spend it. Keep it moving.

Your money can earn interest without giving up the everyday access you expect from Checking:

Online and mobile banking
Check balances, transfer money, deposit checks, pay bills, and keep an eye on your account within Digital Banking.
Visa® Debit Card
Make everyday purchases and add your debit card to your mobile wallet for quick access.
ATM access
Get surcharge-free access at nearly 5,000 ATMs nationwide through our network.

Your money’s here. Why wait for payday?

Early Access comes with every Checking Account, giving you the potential to access eligible direct deposits as soon as they’re delivered to us.2 

  • No enrollment or activation required 
  • Available as a member benefit at no added cost 
  • Eligible ACH deposits may include payroll, tax refunds, government benefits, military pay, and pensions

Why Financial Center?

Earn more from Checking, with a local credit union behind it. You get a competitive rate plus a team that’s here for the rest of your financial life.

More earnings with competitive
designed to help make more of your money.
Real people
with real guidance when you have a question or need a hand.
Dedicated support
with our Financial Wellness Hub and one-on-one financial coaching.

Your financial playbook for real life.

Tools to support your success.

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Frequently asked questions

View All FAQs

The fastest way to order checks is to go to Digital Banking, select the option to order checks. The teams at any of our locations can also support you, or you can contact us and we'll get them ordered.

Need to place a stop payment on a check? Just stop by one of our local branches or contact us. We will need to verify identity before a stop payment can be issued.

Digital Banking makes it easy to manage your debit card with just a few clicks or taps. You can:

  • Lock or unlock your card
  • Report a lost or stolen card
  • Monitor recent transactions

If your card is lost, stolen, or you notice unauthorized transactions, contact us immediately so we can help protect your account and issue a replacement card if needed.

Once registered in Digital Banking, you can access the Card Management area to:

  • Add it to your digital wallet for quicker payments
  • Monitor your transactions
  • Lock or unlock your card around the clock
  • Apply travel notices when you'll be out of town

To activate your new card, call the number on the back of the card or follow the instructions included in the envelope when the card arrives.

If your card is lost, stolen, or damaged, contact us so we can help ensure uninterrupted access to your account.

Opening an account for your child is a great way to start building healthy financial habits early. A parent or legal guardian must open the account with the child and provide the required identification and documentation, including:

  • A valid government-issued photo ID
  • Your Social Security number or Tax Identification Number
  • A $5 minimum deposit to open your child's Starter Savings Account

As your child grows, you'll continue to have access and oversight based on the account type, allowing them to build confidence managing money while you help guide them along the way.

New members can open a Checking Account online or by visiting a Financial Center branch once you establish membership with a Starter Savings Account.

If you're already a member, you can open or switch checking accounts by visiting a location or contacting us to explore your options!

Not sure which account best fits your life? Our financial coaches are always happy to help!

Setting up direct deposit is easy. You'll need your Financial Center routing number (274073876) and your account number, which you can find in Digital Banking. Then:

  • Complete your employer's or payer's direct deposit form, or use our direct deposit form
  • Provide your Financial Center routing number and account number
  • Choose whether you'd like your deposit sent to your Checking or Savings Account

Once your direct deposit is set up, your funds will be deposited into your account automatically. If you're eligible, qualifying direct deposits may even arrive early with our Early Access member benefit.

Our overdraft protection solutions are designed to help when your checking account doesn't have enough available funds to cover a transaction. Depending on the overdraft protection option you choose, funds may be transferred from an eligible linked account or line of credit to help cover the transaction.

Financial Center's routing number is 274073876.

Use this number to identify Financial Center as your credit union when making ACH or wire transfers, or setting up direct deposit.

Your eligible deposits are federally insured by the National Credit Union Administration (NCUA) up to standard insurance limits. Financial Center also provides Excess Share Insurance, giving members up to $500,000 in total eligible deposit coverage for added peace of mind.

Financial Center offers accounts designed to help young savers build healthy financial habits from an early age. Whether they're learning to save, manage spending, or use a debit card responsibly, our Teen Checking Account is the perfect place to start.

Have your everyday money down? Let's talk about what's next.

Once the bills are covered, it's time to think about what you're building toward. Find a Savings Account that can help your next goal take shape.
Savings Accounts

  1. APY – Annual Percentage Yield. $50 minimum deposit required for all checking accounts. Financial Center First Credit Union membership required. Paper statement fee may apply. Federally Insured by NCUA.

  2. You may receive an ACH transaction early if you hold a checking, savings, or money market account with Financial Center First Credit Union. It is at the discretion of Financial Center to determine which transactions qualify and there is no guarantee that any payments will be processed early. Some types of direct deposit or ACH transactions are not eligible. Early Access is dependent on the timing of direct deposit submission by payer and fraud prevention restrictions.