Money Management Checking

A flexible way to build your future.

Enjoy the flexibility and freedom of a checking account while earning high, variable dividend rates with our Money Management Checking account. Accounts are paid competitive dividend rates. Competitive dividends will be compounded daily and credited monthly to ensure fast and steady financial growth.

growing stacks of money

Special Features

  • Maximum Dividends at a lower minimum balance - Earn dividends and avoid fees by maintaining a minimum balance of only $2,500. Dividends are paid monthly and are set up to really pay off.
  • Access when you want it - Use your money when ever you need it, without any penalties.
  • Pay your way - Choose to pay from a debit card, check, or any of our payment options like Apple Pay, Samsung Pay and Google Pay.

Open an Account

It's easy! Make an appointment to open an account, or open one online!

Go Paperless Today

Make life easier by enrolling in FCCU's eStatements enjoy online access to all of your statements anytime, anywhere.

man and woman looking at computer screen with credit card

Here's what you get with all FCCU checking accounts

  • Free debit card with Visa's Zero Liability Fraud Protection
  • Online and Mobile Banking with access to Mobile Deposits, eStatements and more
  • Fraud protection and card controls with FCCU Card Manager
  • Overdraft Options* to make sure you’re covered
  • Tap to Pay for quick purchases with an FCCU Visa Debit Card

Stop by and visit with us

With branches throughout the Houston area, you're bound to be close to us!

How often do a I receive dividend payments with a Money Management Checking Account?

What is the minimum amount to open a Money Management Checking Account?

Can I withdraw cash over $10,000?

1APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. The above rates were paid for their respective dividend period. These rates are not guaranteed for the current dividend period. Rates may change after account opening. All accounts must remain open through the end of the dividend period to be paid the accrued dividends. Checking and Money Management account dividends are earned on the daily balance and paid monthly. Rates quoted were last paid on November 30, 2023. Dividend rate and APY are subject to change monthly without notice at the discretion of the Board of Directors. In order to qualify for membership, In order to qualify for membership, Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.

2Overdraft Options are available on most FCCU consumer checking accounts being maintained in good standing and the member is 18 or older. Standard Overdraft Practices automatically come with most accounts. For debit and ATM transactions to be covered, you must Opt-in to Enhanced Overdraft Privilege. Overdraft Transfers are an option. Nominal fees on a tiered structure of $10 for the first overdraft, $28 for the second through fourth transactions and $35 for the fifth transaction and beyond in a 12-month rolling period may apply for the service selected. Overdrafts must be covered to bring the account to a positive status within 30 days to avoid further action being taken. First Community reserves the right to decline to pay any transaction if a loss has occurred to First Community.

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