Free Checking Firefly CU checking options empower your daily finances. Feel the freedom that comes from a free checking account with fewer restrictions and all the benefits - no matter your age or goals. Our multiple free checking account options are easy to open and manage to fit your busy schedule. Compared to banks, members save an average of $112 annually with a Firefly checking account. Learn more about the value of a Firefly membership. Compare Your OptionsRatesFAQsWhich checking account works for you? Free Checking Verge Checking Amplified Checking℠ Overview No strings. No hassles. Younger members start here. Earn higher dividends with the liquidity of a checking account. Requirements Must be 18 years or older Have a Share Savings account Must be age 13-17 Have a Share Savings account Sign up for eStatements and Direct Deposit Make 10 Debit Card purchases each month Must be 18 years old or 13-17 with a relative as a legal owner Have a Share Savings account Tiered Earnings No minimum balance or monthly fees Free Visa® Rewards Debit Card Surcharge-Free ATMs Digital Banking with Bill Pay Mobile Deposit Overdraft Options Personal Checking Prospective for July 2020 APY Minimum Opening Deposit Amplified Checking Tier I: $.01 - $24,999.99 1.65% $0 Tier II: $25,000 and over 0.20 - 1.65% $0 If criteria not met 0.05% $0 Free Checking & Verge Checking Tier I: $.01 - $2,499.99 0.05% $0 Tier II: $2,500 and over 0.05% $0 Rates & Service PricesSee Rates & Service Prices and Member Service Agreement for full details. APY = Annual Percentage Yield. All rates subject to change. Service charges may reduce earnings. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government. Amplified Checking:To receive Amplified Tier I/Tier II rate you must meet the following requirements each month: 10 debit card purchase transactions, one direct deposit, and must be enrolled in eStatements with valid e-mail address. If the minimum requirements are not met in a statement cycle, the basic rate will apply to all balances. One account per individual. Want to know something else? EXPLORE MORE FAQs Ready for a better account? Open an Account OR Visit a Branch Access & ConvenienceDigital Banking, Free Bill Pay, Mobile Deposit and more Free Visa® Rewards Debit CardRack up rewards points with everyday purchases Growth OpportunitiesDividends compounded and paid monthlySurcharge-Free ATM AccessWithdraw money without fees slowing you down Get full details and disclosures about this deposit product.