Checking Accounts

Finding a Checking Account that fits your needs can feel overwhelming. At Modesto's First FCU, we offer a convenient and secure Share-Draft Checking Account to help you manage your everyday finances effectively.

What is a Share-Draft Checking Account?

A Share-Draft Checking Account functions similarly to a traditional checking account offered by a bank. However, as a member-owned financial cooperative, Modesto's First FCU offers some distinct advantages:

  • No Minimum Balance Requirement: Unlike many banks, you won't need to maintain a minimum balance to open or keep your Share-Draft Checking Account active with us.

  • Control Your Spending with Checks: Our Share-Draft Checking Account allows you to write checks for bill payments or other needs, providing a familiar and convenient way to manage your money.

  • No Per-Check Fees: Enjoy the benefit of writing checks without incurring additional charges per check.

  • Federally Insured Funds: Your funds are safeguarded by the National Credit Union Administration (NCUA) for added peace of mind.

Choose Modesto's First FCU for Your Checking Account

Modesto's First FCU goes beyond simply providing a Checking Account. Become a member and unlock a variety of financial products and services tailored to your needs. This includes competitive interest rates, personalized financial guidance, and access to other accounts like savings and loans. 

We're a local credit union dedicated to serving the Modesto community, with a fantastic team committed to providing friendly and helpful service to our members. Your membership with Modesto's First FCU lasts a lifetime, regardless of life changes such as employment shifts, relocations, or family adjustments.

Get Started with Your Checking Account Today!

Opening a Share-Draft Checking Account with Modesto's First FCU is a simple process: Deposit a minimum of $5.00 to activate and preserve your membership, unlocking a number of financial products, competitive rates, and member services.

Visit one of our convenient branch locations in Modesto to speak with a member service representative who can answer your questions and guide you through the application process. Prefer to speak with someone remotely? Contact us by phone or online. 

We're happy to assist you!