Personal Checking

Open doors to freedom with a personal checking account from Firelands FCU. With easy access, local service, and options to match your stage of life, you can manage your money with ease.

Simply Free
50+ Interest
Direct Interest
Preferred Interest
FamZoo Debit Cards
Mobile App
Schedule an Appointment

What You Get When You Open a

Simply Free Account

No minimum balance*
No monthly service charge
Non-interest bearing account
FREE Instant Issue Debit Card
Online and mobile banking
FREE Bill Pay
FREE eDocuments
eReceipts

*A Firelands FCU membership is required. Being a member requires a Primary Share Savings Account with a minimum balance of $5. Fees may apply.

Ready to open your Simply Free Account?

Open Account

Already a member? Login

Brochures and pamphlets available at Firelands

What You Get When You Open a

50+ Interest Account

Competitive dividends
FREE standard checks
No minimum balance
No monthly service charge
FREE Instant Issue Debit Card
Online and mobile banking
FREE Bill Pay
FREE eDocuments
eReceipts

Ready to open your 50+ Interest Account?

Open Account

Already a member? Login

What You Get When You Open a

Direct Interest Account

Competitive dividends
No minimum balance
No monthly service charge
FREE Instant Issue Debit Card
Online and mobile banking
FREE Bill Pay
FREE eDocuments
eReceipts

Ready to open your Direct Interest Account?

Open Account

Already a member? Login

Firelands representative sitting down with a customer to answer questions on opening an account

What You Get When You Open a

Preferred Interest Account

Higher dividend rate with a balance of $1,500 or more
Competitive dividend if balance falls below $1,500
Only $6 monthly charge if minimum balance falls below $1,500
FREE standard checks
FREE Instant Issue Debit Card
Online and mobile banking
FREE Bill Pay
FREE eDocuments
eReceipts

Ready to open your Preferred Interest Account?

Open Account

Already a member? Login

Smart Spending Starts Here: The Best Debit Card for Kids

Firelands FCU, in partnership with FamZoo, offers debit cards for kids and teens—making money management simple for them and stress-free for you!

Transfer Funds Easily

Send money instantly, no ATM trips needed! Whether it’s for a planned activity or a last-minute need, your child is always set when they have their FamZoo card.

Widely accepted & protected

Use online, in stores, and abroad with EMV chip technology, Apple Pay support, Mastercard® Zero Liability Protection, and FDIC insurance.

An App Built for you Both

The FamZoo app gives you and your child a personalized dashboard, one for them, one for you. They swipe their debit card, you set the limits. They check off chores, you automate allowance. They learn to save, spend, and give wisely while you coach, cheer, and keep them on track.