Personal Checking Services

First US Bank provides a variety of checking accounts to match your financial needs and lifestyle. These accounts provide you with detailed records and monthly image statements to help you keep up with expenses and income. Please talk with any of our new accounts representatives about your individual checking needs. We’ll be glad to help you decide which checking plan is best for you and your family.


Reward Checking

You are worth rewarding! You make a difference at First US Bank and that is why we offer Reward Checking-Powered by BancVue as a  checking account with no monthly maintenance fee! Our Reward Checking account offers a 2.50% APY* Reward Rate for your balance up to $20,000.00.  We want to reward you for many things you are probably already doing each month:

  1. Make at least 12 Check Card purchases during each “qualification period” (post and clear in the "qualification period").**
  2. Have one (1) Direct Deposit or one (1) ACH Auto Debit during each "qualification period" (post and clear in the "qualification period").
  3. Enroll and receive statements through online banking, the safest way.
  4. Have the primary account holder access online banking at least once per “qualification period”.

To receive all the benefits of Reward Checking, you must sign up for online banking and e-statements. Please stop by your local branch to find out more about our Reward Checking account or for more information on how FUSB can help you make the most of your money.Click here to view the qualification date calendar.

*When the Reward Checking qualifications are met, the interest rate and corresponding annual percentage yield will be tiered. If your daily balance is $20,000.00 or less, the interest rate paid on the entire balance will be 2.47% with an annual percentage yield of 2.50%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $20,000.00. The annual percentage yield for this tier will range from 2.50% to .83% depending on the balance in the account. If you do not meet the requirements per cycle, your account will still function as a "no fee" checking account earning 0.05% APY; however, it will not receive ATM refunds for that time period. Stated APY as of March 30, 2012. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required to earn quoted APY. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **Unlimited ATM refunds if requirements are met. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. **"Qualification period" means a period beginning one business day prior to the first day of the current statement period through one business day prior to the close of the statement period. Credit approval required to open a checking account.

 

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Another Chance Checking

Need a checking account with a debit card, but worried that your credit score is too low? Then our Another Chance Checking maybe the account for you. This account can be opened with a lower deposit than our other checking accounts and still has an affordable monthly maintenance fee. E-statements are a requirement with this account. To know more contact your nearest branch of First US Bank.

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Regular Checking

With this basic checking plan, write up to 48 checks per statement cycle with no monthly maintenance fee when you maintain a $500 minimum balance in your account. If your balance drops below $500 in any month, a monthly maintenance fee will be assessed for that month.  For the tiered fee structure on balances below $500, please check with a bank representative.  A fee of $0.10 per check will be charged after the first 48 during a statement cycle. A minimum deposit of $100 is required to open this account.

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Advantage Checking

With a minimum opening deposit of $100, enjoy the following banking privileges plus insurance. The monthly maintenance fee is determined by your choice of single or family accidental death insurance.

  • Single plan insurance, $10 per month; family plan insurance, $12 per month
  • No minimum balance requirement
  • Unlimited check-writing privileges
  • Free bank stock wallet style checks or $2 credit on other styles ordered
  • Power Pay - Free online bill payment
  • Net Teller - Free online banking
  • Cashier’s checks and money orders at no charge (limited to 10 monthly in combination)
  • Credit card registration
  • Key tag return
  • Safe deposit box discounts
  • Asset organizer
  • $5,000 identity fraud expense
  • Entertainment® SaversGuide®
  • Hotel, theme park and movie ticket discounts
  • Direct deposit
  • Photocopy service
  • 24-hour ATM convenience
  • 24-hour AccessLine  
  • $500 grocery coupon book
  • Funds for college access program
  • And more

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Mature Club (for Senior Citizens)

Must be at least 55 years of age and sign an eligibility form. No monthly maintenance fee. Other fees apply. Bank stock, wallet style check at no charge with unlimited check-writing privileges. Minimum balance to open the account: $100.

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First Checking

This account features unlimited check writing privileges and earns a tiered rate of interest that is credited monthly. There is not a monthly maintenance fee if you maintain a minimum balance of $1,000. If the balance falls below this requirement, your account is subject to a $10 monthly maintenance fee. There will be no monthly maintenance fee if you have a time deposit of $5,000 or more. A deposit of $1,000 is required to open this account. Please contact us for current interest rates.

Rate Tier
$1,000 - $2,499.99 Rate 1
$2,500 - $9,999-99 Rate 2
$10,000 - $24,999.99 Rate 3
$25,000 or more Rate 4

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Money Plus

This account earns tiered rates of interest on collected balances at the current variable market rate. Interest will be credited to the account every month. A monthly maintenance fee of $10 is charged on this account should the balance fall below the $1,000 minimum. A maximum of 6 transfers or withdrawals per month are allowed. A $5 excess transaction fee will be assessed for debits in excess of the authorized number of transactions. A minimum deposit of $1,000 is required to open this account. Please contact us for current interest rates.

Rate Tier
$0 - $24,999 Rate 1
$25,000 - $99,999.99 Rate 2
$100,000 - $249,999.99 Rate 3
$250,000 or more Rate 4

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Switch Kit

We’ve made switching to First US Bank simple. Our easy to use Switch Kit allows you to move your direct deposits and transfer any automatic payments and debits to First US Bank without a hassle.

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