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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.

To report a lost or stolen Franklin First VISA credit card, call: (800) 449-7728From outside the U.S. call: (727) 299-2449.

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