Advantage Checking

FFCCU’s Advantage Checking account is exactly what you need: simplicity with flexibility. Start with essentials like free digital banking, no monthly maintenance fees, and no minimum average daily balance. Want more? Level up your account to unlock benefits like earning 2.00% APY*

ALL Advantage Checking accounts enjoy ease and accessibility with these features:

  • ATM and VISA®Debit Cards
  • More than 35,000 ATMs
  • FREE Mobile App
  • Easy and free bill pay options
  • FREE online banking
  • No minimum balance

Level Up and Unlock Bonus Benefits!

Want more from your Advantage Checking account? Meet the bonus criteria in any given month and unlock earnings of 2.00% APY* on your average daily balance between $500-$24,999. Plus, you can make unlimited withdrawals from ATMs for free.*

And if you don’t meet the bonus criteria at any point, there’s no penalty or fee! You won’t earn bonus benefits that month, but you can always enjoy them by leveling up the next month!

Here’s How To Unlock 2.00% APY*


Enroll in


Direct deposit at
least $500 per month


Use your VISA® Debit Card for 12 or more transactions per month


Our Rates

As of June 15, 2024
Account TypeBalance APY*
ADVANTAGE Checking*$500-$24,999.992.00%

*APY = Annual Percentage Yield. Get unlimited ATM withdrawals and earn 2.00% APY when your average daily balance is between $500-24,999.99 when you meet the following requirements: 12 or more VISA Debit Card transactions posted to your account each month, enrolled in e-Statements and have direct deposit totaling $500 or more within the same month. Earn .01% on the remaining portion of your balance over $25,000.00. ATM fees charged by FFCCU are refunded at the end of the month. ATM fee refunds do no include terminal surcharges, if incurred. Only one Advantage Checking account per member. Account is subject to approval. Call 800.621.4644 for current rates as they are subject to change at any time and without notice.


In order to get an Advantage Checking account, you must be a member of FFCCU who is over the age of 18. Account is subject to approval.

ATM withdrawals are subject to 2 different fees – one charged by FFCCU and the other charged by the ATM servicer. FFCCU refunds our charge on up to 8 withdrawals per month, or an unlimited number with a qualifying Advantage Checking account. ATMs in the Co-op network do not charge a servicer fee.

To calculate your average daily balance, determine the sum total of the balance for every day in the billing cycle and then divide the total by the number of days in the billing cycle.

For example, say you have a 30-day billing cycle and start the cycle with a $500 balance. Then, on day 11 you make a $100 purchase, and on day 18, you make a $200 deposit, your daily balances are: $500 for the first 10 days, $400 for the next seven days, $600 for the final 13 days. When you add those daily averages up per day, and divide by 30, you get an average daily balance of $520.

There’s no penalty! You simply won’t be eligible to earn 2.00% APY* and will be limited to eight FFCCU ATM withdrawals before incurring an FFCCU fee.

The best part: if you miss a month, you can still qualify in any given month after! Bonus benefits get unlocked on a monthly basis, so there’s always another chance to level up.