Firefly members save big with checking.


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

Compared to banks, members save an average of $130 annually by using a Firefly Checking Account.
Learn more about the value of a Firefly membership.

  Free Checking First-Step Checking Amplified Checkingâ„  Checkless Checking
Overview No strings. No hassles. Younger members start here. Earn higher dividends with the liquidity of a checking account. Protect yourself from overdrafts.
Requirements None Must be age 13-17 None
Tiered Earnings Yes Yes Yes No
No minimum balance or monthly fees Yes Yes Yes $5.95 monthly fee
Free Visa® Rewards Debit Card Yes Yes Yes Yes
Surcharge-Free ATMs Yes Yes Yes Yes
(withdrawals only)
Online Banking with Bill Pay Yes Yes Yes Yes
Mobile Banking with Mobile Deposit Yes Yes Yes No
Overdraft Options Yes Yes Yes No

See complete rate listings and disclosures for more information.


Calculate your value potential with Firefly


Personal Checking

Prospective for February 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.


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