Checking made easy

She married him, then joined the credit union.

Pick a checking account that fits your preferences and financial needs.

Free Checking
Interest-Earning Checking
Account Name
1st Freedom
1st Choice
Minimum deposit
$350
Minimum balance
$300
Per check charge
Direct deposit
Yes
Yes
Payroll deduction
Yes
Yes
Free Visa debit card
Yes
Yes
Online Billpay
Yes
Yes
Earns interest
No
Yes*
Monthly Fee
No
$3.50**

*See Savings and Checking Rates
**Only in months when balance drops below minimum

GET A CHECKING ACCOUNT

Already a credit union member? 

Not a credit union member? 

HOW TO MAKE A MOBILE DEPOSIT

Once you’ve opened a checking account, get our free mobile app and enjoy mobile banking anywhere you go. Here’s how Mobile Deposit works.

  • Open the app
  • Select Deposits from the menu
  • Enter the amount of the deposit
  • Sign the back of the physical check and add “For mobile deposit at 1st Cooperative FCU only”
  • Take photos of front and back of check using the camera on your mobile device


It’s that easy!

CardValet® external link icon green-small

Secure your debit card by turning it on an off with an app.

TO REORDER CHECKS

In Online Banking, go to your checking account and select Check Reorder.

CONTACT US

to ask about a checking account.

CALL US

803-796-0234 M-F, 8:30 a.m. – 5 p.m.

Their Story

Talk about commitment. To each other?! Yep. To 1st Cooperative? That, too. After getting married, Crystal and Brian have transferred their checking and other accounts from other banks, added Kid’s Club savings accounts and obtained auto loans. Then, came time for a second car. You know, because of the kids.

Hey, Crystal, who gets to drive the new wheels? Sorry, Brian.

These instructions apply only for your first time logging on to our new Online Banking system after September 2.

If you are an existing Online Banking user, here’s how to log on to our new Online Banking system:

  • Your temporary Logon ID (username) is the member number for the Primary Member on the account.
    • You must enter leading zeroes to make it 6 digits.
    • Examples: If your current member number is 1234, you would enter 001234. For the member number 12, you would enter 000012.
  • Your temporary Security Code (password) is the last 4 digits of the Primary Account holder’s Social Security number.
    • Example: 9876

You will be prompted to change your Logon ID and Security Code. Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.

Click here to proceed to Online Banking logon »