We have three separate checking account options to meet your needs:

  • Basic-Free Checking
  • Select Interest Checking
  • Check Start Checking (for our members ages 17* – 24)

All Checking Accounts with a debit card can earn rewards. With your choice of accounts we have what you need in checking!

Check out our Checking Accounts and compare it to what you have today. You may be surprised with what your First Castle FCU account offers. A checking account is probably your most valuable financial tool because it gives you access to your money wherever and whenever you need it. See a side-by-side comparison of our checking accounts below.


If you would rather come in, please call us or request an application .

Free Checking Select Checking Check Start Checking2
Monthly Cycle Service Charge No monthly cycle charges to maintain this account $6.00 monthly cycle fee if balance falls below $1,500 No monthly cycle charges to maintain this account
Interest Bearing No Yes No
Free Debit Card Yes Yes Yes
Free ATM’s¹ 4 Free WD’s per month 4 Free WD’s per month Free Unlimited WD’s²
Minimum Opening Balance None $50.00 None
Unlimited Check Writing Yes Yes Yes
Free On-Line Banking Yes Yes Yes
Free E-Statements Yes Yes Yes
Free Check Imaging Yes Yes Yes
Purchase of Checks Required No No No
Overdraft Protection Yes
$5.00 per transfer
$5.00 per transfer
$5.00 per transfer
  1. Free unlimited ATM withdrawals apply to waiver of FCFCU fees on all ATMs, as well as Capital One fees on selected Capital One ATMs.
  2. Ages 17-24.

Don’t forget to set-up Payroll Deduction and Direct Deposit. Our Routing and Transit Number is 265075883.

*17 year old must have parent sign checking agreement.

Order your checks through Deluxe.

Available with all Checking Accounts

Check Images

Keeping track of your checks has never been easier! With online banking you are able to view all cleared checks in our free, convenient Home banking. After creating an user name and password in Home banking you will be able to view a check by simply going into your draft history and click on the check you are looking for. For other information or questions please contact us.

MasterCard Debit/Check Card

Our MasterCard Debit/Check Card provides members with the advantage of having access to their checking accounts and can be used anywhere the MasterCard logo is displayed – worldwide! You’ll have all the convenience of a credit card without interest and fees and all the benefits of a check without writing one. If you need a detailed record of your transactions, we encourage our Members to sign up for Home banking.

  • Use at any ATM with the Cirrus or Pulse logos
  • Free Point of Sale (POS) purchases at select retail locations
  • Four or more free withdrawals a month from all Capital One ABBY ATM’s* and service center locations**
  • Cash back/Rewards option
  • SAFETY – avoid carrying excessive cash
  • CONVENIENCE – no reason to carry checks

Simply present your card for payment, sign the receipt and the purchase amount is automatically drawn on your available checking account balance. If you are signed up for our Rewards, members simply select CREDIT. For cash back transactions, select DEBIT and perform a PIN driven transaction.

To activate a new Debit Card, call 1-866-333-9337.

*Certain Capital One owned and operated ATM’s located in gaming establishments may be excluded.

**Free unlimited ATM withdrawals apply to waiver of FCFCU fees on all ATMs, as well as Capital One fees on selected Capital One ATMs.