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.  

You can Apply Now by using our convenient online application.

• 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. 

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 account 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.

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.
• Direct deposits entitle each member one free box of checks per year.  Limits may apply.
• Two free money orders or cashier’s checks may be utilized each month.

Replace checks with the convenience of a card which withdraws directly from your checking account.  Members can:

• Use the debit/check card at any location displaying a MasterCard logo for point-of-sale purchases.
• Use the debit/check card at any ATM displaying the MasterCard, Maestro, SUM, MoneyPass, or Cirrus logos.
• Obtain an Instant Issue Debit Card.
• Link your card with Samsung or Apple Pay.

To report a lost or stolen Franklin First Debit/Check Card call (413) 774-6700 during regular Credit Union hours. After hours call: (800) 472-3272.

Life happens!  We understand that unexpected overdrafts occur from time to time.  Our Overdraft Protection can help.  Consider these ways to cover overdrafts:

• Overdraft Protection Link to your savings account from checking.
• Overdraft Line of Credit
• Overdraft Privilege: ODP is a discretionary privilege offered and applied by Franklin First.  

Still have questions about Overdraft Coverage Options, we invite you to Learn More.

Reduce the delivery time for your next order of checks!  Use our Secure Check Reordering Website to quickly and securing reorder more checks.

• Don’t always have access to a computer for home banking?
• Forgot your last ATM withdrawal amount? 
• Heading out for the weekend and need to know your balance first? 

All good reasons to call our toll-free Touch-Tone Teller 24/7. (866) 695-4393.

Activate Telephone Banking Services using our Touch-Tone Teller:

1. The first time you call our Touch-Tone Teller line you will be asked to enter your personal information to verify your identity.
2. You will then be given instructions to create a new pin (personal identification number).
3. Enter your savings or checking account number followed by the # sign.
4. The Teller will guide you through any further steps you may need to take.