Totally Free Checking

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.

Teen Checking

• 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. 

Business Accounts

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.

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.
• 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.

Debit/Check Card

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.

Overdraft Protection

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.

Check Re-order

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

Touch Tone Teller

• 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.