Checking Accounts
Checking that works as hard as you doIt’s your Advantage
Manage Your Money With Confidence & Ease
Open a checking account that supports your lifestyle and aligns with your vision for the future. We offer four checking account options that both provide convenience and access anytime.
Convenient
View your account, deposit checks, and perform almost any transaction you could at a branch using our free Digital Banking.
Accessible
Find us anywhere when you search for a location or ATM near you. Use your debit card at over 65,000 ATMs nationwide to withdraw cash or get cash back in-store.
Secure
Monitor and manage your transactions by setting up debit card alerts so you can stay in the loop and keep your finances on track.
Which Checking Account is Right for You?
At 1st Advantage, our members don’t just get the best products and services — they get options too. Compare four great checking account options so you can choose the account that helps you achieve your goals.
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Best For
Best For
-
Monthly Fee
Monthly Fee
-
Pays Dividends
Pays Dividends
-
Minimum Opening Deposit
Minimum Opening Deposit
Free Advantage Checking
-
Best For
Someone who wants a totally free checking account.
-
Monthly Fee
None
-
Pays Dividends
No
-
Minimum Opening Deposit
$0
Preferred Checking
-
Best For
Someone who wants the option to earn dividends and have added perks.
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Monthly Fee
None – with a $250 Average Daily Balance
$7.00 monthly fee applies otherwise
-
Pays Dividends
Yes – $100 Average Daily Balance required to earn dividends.
-
Minimum Opening Deposit
$0
Premier Checking
-
Best For
Someone who wants an account that pays dividends and has premier perks.
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Monthly Fee
$5
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Pays Dividends
Yes
-
Minimum Opening Deposit
$0
Youth Spend
-
Best For
Your child must be younger than 18, but there is no minimum age.
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Monthly Fee
None
-
Pays Dividends
No
-
Minimum Opening Deposit
$0
High-Yield Checking
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Best For
Someone who wants a checking account and wants to earn substantial interest rates.
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Monthly Fee
None
-
Pays Dividends
Yes! Qualified Accounts earn 4.00% APY^
-
Minimum Opening Deposit
$0
Empower Your Spending with Incredible Rates
It’s easy to open a new Checking Account. You can experience all the benefits of day-to-day spending and easy banking.
|
Account |
Dividend |
APY* |
Opening Balance |
Compounded/Credited |
Average Daily Balance |
|---|---|---|---|---|---|
|
*APY = Annual Percentage Yield ^APY = Annual Percentage Yield. Qualified accounts earn up to 4.00% APY on balances up to $7,500 and 0.05% APY on balances over $7,500. Non-Qualified account balances earn 0.05% APY. Qualified accounts must have 10 or more posted Debit Card transactions (excluding ATM transactions) per month and eStatements. Failure to meet any one of these requirements during a calendar month will cause the account to default to the Non-Qualified account rate of 0.05% APY. APY as of 9/18/2023 and is subject to change. Dividends compounded monthly. No minimum balance to open. Fees may reduce earnings. This offer can be withdrawn at any time. |
|||||
|
Account Free Advantage Checking |
Dividend N/A |
APY* N/A |
Opening Balance N/A |
Compounded/Credited N/A |
Average Daily Balance N/A |
|
Account Premier Checking |
Dividend 0.05% |
APY* 0.05% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balance $100 |
|
Account Preferred Checking |
Dividend 0.05% |
APY* 0.05% |
Opening Balance None |
Compounded/Credited Quarterly |
Average Daily Balance $250 |
|
Account Youth Spend |
Dividend N/A |
APY* N/A |
Opening Balance N/A |
Compounded/Credited N/A |
Average Daily Balance N/A |
|
Account High-Yield Checking |
Dividend up to 3.928%^ |
APY* up to 4.00%^ |
Opening Balance None |
Compounded/Credited Monthly |
Average Daily Balance N/A |
Direct Deposit with Early Pay
Get immediate access to your paycheck when you sign up for Direct Deposit. As a 1st Advantage member, you get access to…
- Automatic payroll transfers to your checking account
- A safe and secure alternative to handling paper checks
- The Early Pay perk which allows you to receive your paycheck up to two days early
- View our Direct Deposit form here
Overdraft Protection
Everyone makes mistakes sometimes. When you overdraft on your account, Overdraft Services covers that gap. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
Get Answers to Your Questions
The routing number for 1st Advantage members is 251480563.
You can order checks within Online Banking, in branch, or by calling our eBranch Call Center at 800-359-7650 or 757-877-2444.
To order via Online Banking, follow the below steps:
1. Login to your Online Banking account
2. Select which account you would like to order checks for (Checking, Money Market, etc.) by clicking on the name of the account
3. Click on the More Actions icon in the Account Details menu
4. Select Order checks
If you are ordering checks from another company, please use the information below:
Address:
1st Advantage Federal Credit Union
P.O. Box 2116
Newport News, Virginia 23609
www.1stAdvantage.org
Routing Number: 251480563
Account Number – your checking account number is different from your member number. Do not use your member number. You can view your checking account number by logging into Online Banking, clicking on your checking account, and then clicking Account Information from the Account Details menu.
Not finding what you’re looking for? See all our FAQs or Contact Us.
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