Franklin First has a variety of checking products designed to fit your lifestyle.

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Totally Free Checking

family running through field letting kite fly

A checking account is an essential banking tool used for easy access to your money via debit cards, checks, and withdrawals. 

Franklin First offers:

  • Unlimited free checking with no minimum balance requirement

  • Direct deposit

  • Electronic funds transfers

  • Overdraft protection options

  • Free Online Banking & Mobile app to monitor your account on the go

  • Mobile Deposit  

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Teen Checking

Teach your teen financial responsibility paired with financial freedom.

  • Ages 13-17

  • Membership share required

  • Parent/Guardian must be on checking account as well as hold membership at Franklin First

  • Debit card

  • Access to electronic services 

  • No overdraft privilege

  • No NSF Fee

  • No ATM Fees*

Contact us today to learn more and open your teen checking account today.

*ATM Surcharge fees may still apply if the financial institution that owns the ATM charges a fee.

 

Senior Checking

Our Franklin First Senior Checking Account is ideal for our members 65+. 

It offers benefits such as:

  • Unlimited free checking with no minimum balance required

  • One free box of checks per year  

  • Direct deposits entitle each member to two (2) free money orders or cashier’s checks each month

 

Business Checking

mature businessman doing paperwork at office

Small businesses who operate as a DBA, Sole-Proprietor, or un-incorporated organization have the option of having a checking and/or savings account at Franklin First.  To open a business account, we ask that you provide us with a DBA Certificate, EIN/TIN, or similar documentation to validate the business.

The business checking offers:

  • Checking with no minimum balance requirement

  • Direct deposit is $0.07 per deposited item fee

  • Electronic funds transfers

  • Overdraft protection options

  • Free online banking & mobile app to monitor your account on the go

  • Mobile deposit

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