your money should be easy.

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Free Checking

Firefly CU checking options empower your daily finances.

Feel the freedom that comes from a checking account with fewer restrictions. Our free checking accounts provide the convenient access you want so you can manage your money quickly when it works with your busy schedule.

Compared to banks, members save an average of $122 annually with a Firefly checking account.
Learn more about the value of a Firefly membership.

Which checking account works for you?

  Free Checking First-Step Checking Amplified Checking℠
Overview No strings. No hassles. Younger members start here. Earn higher dividends with the liquidity of a checking account.
Requirements None Must be age 13-17
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 August 2019
APY Minimum Opening Deposit
Amplified Checking
Tier I: $.01 - $24,999.99 2.00% $0
Tier II: $25,000 and over 0.20% $0
If criteria not met 0.05% $0
Free Checking & First Step Checking
Tier I: $.01 - $2,499.99 0.05% $0
Tier II: $2,500 and over 0.05% $0

Fee Schedule
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. See Membership Agreements & Account Disclosures for full details.

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.


Want to know something else?

Ready for a better account?

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Access & Convenience

Access & Convenience

Digital Banking, Free Bill Pay, Mobile Deposit and more

Free Visa® Rewards Debit Card

Free Visa® Rewards Debit Card

Rack up rewards points with everyday purchases

Growth Opportunities

Growth Opportunities

Dividends compounded and paid monthly
Surcharge-Free ATM Access

Surcharge-Free ATM Access

Withdraw money without fees slowing you down

Minnesota's most convenient free checking accounts.

Your daily finances deserve the best, and Firefly CU delivers with multiple MN checking accounts that cater to different goals and members of different ages. We make it easy to open an account so you can enjoy all of the benefits.

Supporting Your Efforts

You make important decisions every day, so sometimes making even one more (especially a financial one) can seem overwhelming. At Firefly, we want to help guide you through those choices so you can be better equipped to decide what’s right for you and your goals. Take a look at some of the resources we have available to you to aid in your financial decision-making process.

Amplified Checking
for balances under $25,000

Did you know you can earn rewards points just for using your Firefly debit card? Visit for more details.

Helpful Links