Our free checking accounts allow you to easily manage your account, earn points with a free
Visa® Rewards Debit Card, and access 65,000+ surcharge-free ATMs.

Compared to banks, members save an average of $112* each year with a Firefly Checking Account.

Which checking account works for you?

  Free Checking First-Step Checking Amplified Checkingâ„ 
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


Calculate your value potential with Firefly


Personal Checking

Prospective for March 2020
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

Rates & Service Prices
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 Member Service Agreement for full details.

APY = Annual Percentage Yield. All rates subject to change. Fees 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.


Not a member? Not a problem. Firefly membership is available to those in the Twin Cities communities. Learn more about Firefly.

*Savings amount is an estimate of projected annual difference between Firefly rates and fees and average rates and fees of comparable products at MN financial institutions as of 11/13/2019, as reported by Informa Research Services, Inc. Savings example is an average for Firefly members, and is used for illustration purposes only. Not all members have experienced or will experience savings. For additional savings calculation detail, visit Federally insured by NCUA.