Checking Accounts

Checking that works as hard as you do
Itโ€™s your Advantage

Open a Checking Account

Open a Checking Account

Please choose one of the following options:

Questions?

Speak with a Representative

Chat online

Call us: 1 (800) 359-7650


Representatives are available 24/7 to assist you.

Manage Your Money With Confidence & Ease

Open a checking account that supports your lifestyle and aligns with your vision for the future. We offer several checking account options that provide convenience and access anytime.

All of our Checking Accounts include:

No fees etc class=”wrapper”>

No Minimum Opening Deposit

Debit/credit cards class=”wrapper”>

Free Debit Card with Card Alerts & 65,000+ Surcharge-Free ATMs*

Deposit class=”wrapper”>

Direct Deposit with Early Pay up to Two Days Early


Transfers class=”wrapper”>

Send & Receive Money with Zelleยฎ


Giving class=”wrapper”>

Free Access to your Credit Score and Credit Report


Mobile banking class=”wrapper”>

Mobile Check Deposit


 

 

 

Which Checking Account is best for you?

At 1st Advantage, our members donโ€™t just get the best products and services โ€” they get options too. Compare these great checking account options so you can choose the account that helps you achieve your goals.

Woman making a mobile deposit on her phone.

Free Advantage Checking

Best for someone who wants a totally free checking account.

โœ“ No Monthly Fee

โœ“ No Minimum Opening Deposit

โœ“ Free Debit Card with Card Alerts & 65,000+ Surcharge-Free ATMs*

โœ“ Direct Deposit with Early Pay up to Two Days Early

โœ“ Send & Receive Money with Zelleยฎ

โœ“ Free Access to your Credit Score and Credit Report

โœ“ Mobile Check Deposit

Happy couple looking at laptop with a cup of coffee.

Preferred Checking

Best for someone who wants the option to earn dividends and have added perks. Includes all of the advantages of Free Checking plus:

โœ“ No Monthly Fee with a $250 Average Daily Balance or $7 monthly fee applies

โœ“ Pays Dividends with $100 Average Daily Balance

โœ“ Everyday Rebates

โœ“ Bonus Travel

โœ“ My Concierge Service

โœ“ Accidental Death Insurance

โœ“ Card Patrol

โœ“ Identity Theft Insurance

โœ“ Extended Warranty and Purchase Price Protection

 

Family of 3 laughing and holding small dog

Premier Checking

Best for someone who wants an account that pays dividends and has premier perks. Includes most of the advantages of Free Checking plus:

โœ“ $5 Monthly Fee

โœ“ Pays Dividends

โœ“ Online Savings

โœ“ Everyday Rebates

โœ“ Bonus Travel

โœ“ My Concierge Service

โœ“ Rx Advantage Card

โœ“ Accidental Death Insurance

โœ“ Card Patrol

โœ“ Identity Theft Insurance

 

Couple standing in their kitchen with coffee.

High-Yield Checking

Best for someone who wants a checking account and wants to earn substantial interest rates. Includes all of the advantages of Free Checking plus:

โœ“Qualified Accounts earn up to 4.00%^ APY^

For our members 17 years old and younger

Youth Spend

Our Youth Spend & Savings Accounts allow you to teach your child the responsibilities of managing money that will pay off as they grow into adulthood.

โœ“ No Monthly Service or Overdraft Fees

โœ“ Fraud and Zero Liability Protection

โœ“ Free Debit Card

โœ“ Account Alerts

 

 

 

Father and son on couch looking at tablet.

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.

Checking Accounts

Account

Dividend

APY*

Opening Balance

Compounded/Credited

Average Daily Balance

*APY = Annual Percentage Yield
**Average Daily Balance required to earn Dividends
Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information on your account please see your Membership & Account Agreement. If you have any questions or require current rate information please call the credit union at 757-877-2444.

^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 6/15/2024 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

Open a Checking Account

Open a Checking Account

Please choose one of the following options:

Questions?

Speak with a Representative

Chat online

Call us: 1 (800) 359-7650


Representatives are available 24/7 to assist you.

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.ย An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

Learn more about overdraft protection

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 โ€“ 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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Ready to Open an Account?

Open an Account Online
Open an Account

Open an Account

Please choose one of the following options:

Questions?

Speak with a Representative

Chat online

Call us: 1 (800) 359-7650


Representatives are available 24/7 to assist you.

Get instant member help
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Disclosures

*Applicable at Co-Op, Allpoint, and 1st Advantage ATMs with 1st Advantage Debit Mastercard.