Checking FIRST

Get Paid to bank here! Choose from one of these three accounts that will pay you cash back with easy qualifications to earn rewards. Don’t worry because if you do not qualify within any monthly cycle, you still receive your checking account for free and will have the opportunity to qualify again during the following monthly cycle. Come into a branch near you to start getting paid to bank!

  • Earn 2.03% dividend rate/2.05% APY* on balances of $7,500 or less.
  • Earn 0.30% dividend rate/0.30% APY* on balances over $7,500.
  • Foreign ATM fee refunds up to $25.00 per monthly cycle, $4.99 max per transaction.

  • Earn 3.00% cash back on debit card purchases, up to $7.50 maximum per
    monthly cycle.
  • Foreign ATM fee refunds up to $25.00 per monthly cycle, $4.99 max per transaction.

  • $15.00 credit at account opening that can be applied to any purchase at AmazonTM, iTunesTM or Google PlayTM.
  • Up to $8.00 credit per monthly cycle, towards any purchase at Amazon, iTunes or
    Google Play.
  • Foreign ATM fee refunds up to $25.00 per monthly cycle. $4.99 max per transaction.

To qualify for these Kasasa rewards monthly you need to:

  • Have at least 12 pin-based and/or signature-based debit card purchases, each greater
    than $5.00 post and settle within the monthly cycle.
  • Be signed up for estatements.
  • Access on-line banking once during the monthly cycle.
  • The monthly qualification cycle is the last day of the previous month to the second to the last day of the current month.

1 Limit of one Kasasa account (Kasasa Cash, Kasasa Cash back, and Kasasa Tunes) per membership account.
h3. All of our checking accounts include the following features:

All Checking Accounts Include:

  • Unlimited transactions.
  • Mobile Banking App that is specially designed for your iPhone®, or Android™ phones. Get quick and easy access to your First Financial Credit Union’s Online Banking account, pay your bills, transfer funds, and even deposit your check directly from your phone! It’s fast, easy and FREE! Visit the Apple App Store or Google Play to download the First Financial Credit Union’s Mobile Banking app.
  • Access to thousands of ATMs with your Debit MasterCard. Your transactions are FREE at more than 30,000 CU ANYTIME and Co-op ATM machines. Plus, your card works wherever MasterCard is accepted for quick and easy payment.
  • Overdraft protection available. Funds are automatically transferred from your savings/line-of-credit loan to pay your checks. Up to six unsigned/electronic transfers from your savings are permitted each month ($4.00 fee per occurrence).
  • Free online banking and online bill pay. Access your account information, transfer funds, pay your bills online without writing a check, and more! It’s all available through First Link online banking 24/7, and it’s free!
  • Telephone access to your account 24/7 through First Line automated phone service.
  • E-Statements. Save a tree, and help reduce the risk of identity theft.

CheckProtect®

At First Financial Credit Union, we know you depend on us to provide you with a variety of financial services while protecting your personal information. That’s why we take many steps to safeguard the confidential information you entrust to us.

One such step is selecting CheckProtect as our new standard of delivery for personal check orders that you purchase from us. Why? Because your checks are so much more than paper. They represent your checking account and the services associated with it, such as your debit card, online bill pay transactions, automatic withdrawal payments and direct deposits — all of which could need to be re-established if your check order does not arrive to you safely.

CheckProtect provides you with an improved level of security at a low cost by offering:
• Tamper-evident polywrap packaging that helps conceal your checks
• Fully trackable deliveries, so you know where your checks are
• Estimated delivery dates that let you know when to expect your order

Working closely with our check program provider, Harland Clarke, we can provide this valuable service at a competitive price. The charge for CheckProtect will be added to the price of any check design you choose to purchase, and the total amount will be deducted from your account when you place your next order.

If you have questions about the benefits of CheckProtect, visit Harland Clarke.

You also have 24/7 access to your accounts via online banking (including free online bill pay) and First Line 24 hour telephone service.

Questions on checking? You can call our Member Resource Center at (505) 766-5600 (or 1-800-342-8298), or stop by any of our offices for more information. For a list of documents needed for opening a business account, click here


EMV Chip Debit Card • 2 Easy, Safe Ways to Pay!

Or if Dip is not available

Kasasa Checking Account Qualifications

1 Qualification Information: Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases of $5.00 or less, debit card purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit cards not issued by our credit union. ”Monthly Qualification Cycle” means a period beginning one (1) calendar day prior to the first day of the current statement cycle through one (1) calendar day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $7,500 receive 2.03% dividend rate and APY* of 2.05%; and balances over $7,500 earn 0.30% dividend rate on the portion of balance over $7,500 resulting in a range from 2.05% to 0.042% APY* depending on the account’s balance, Kasasa Cash Back: 3% cash back on debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle, Kasasa Tunes: you will earn up to an aggregate total of $8.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your First Financial Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM fees you must contact us within 30 calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY*; cash back payments are not made, iTunes, Amazon.com and Google Play purchases are not refunded and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/05/2015. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements, and 12 debit card transactions more than $5.00 each month are conditions for receiving rewards on these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit of one (1) of each type of Kasasa account (Kasasa Cash, Kasasa Cash Back and Kasasa Tunes) per membership. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A. Limit of one of each type of Kasasa account (Kasasa Cash, Kasasa Cash back, and Kasasa Tunes) per membership account.


Opportunity Checking

  • When life throws you a financial curveball, First Financial Credit Union is here to help you get back on track. This checking account offers features you need to keep up with life’s expenses and re-establish yourself at a financial institution for a low monthly fee of $7.50. Plus, if your account is in good standing for 12 consecutive months, you may be eligible to upgrade to our Kasasa Checking.

Whether you have an established business or are just starting one, First Financial has the checking account to meet your business needs.

Basic Business Checking

Don’t have much activity on your account? Then our Basic Business Checking is for you. It features:

  • No monthly service charge.
  • No minimum balance, with just $50 to open the account.
  • Up to 200 items per month at no charge; $0.20 per item over 200.

Advantage Business Checking

Have a lot of activity on your account? Or maybe you keep a higher balance. Then our Advantage Business Checking will fit your needs.

  • No monthly service charge if you maintain an average daily balance of $2,500. If your average balance falls below $2,500, there is a $25 monthly service fee.
  • Up to 500 items per month at no charge; $0.25 per item over 500.
  • Just $200 opens your account.

Both accounts feature a Debit MasterCard Business Card, customized with your business name. Accepted by millions of merchants worldwide (as well as for online/phone purchases), your Debit MasterCard Business Card can also be used at ATMs worldwide — and surcharge free at over 25,000 CU ANYTIME and Co-op machines nationwide.

All Checking Accounts Include:

  • Unlimited transactions.
  • Mobile Banking App that are specially designed for your iPhone®, or Android™ phones. Get quick and easy access to your First Financial Credit Union’s Online Banking account, pay your bills, transfer funds, and even deposit your check directly from your phone! It’s fast, easy and FREE! Visit the Apple App Store or Google Play to download the First Financial Credit Union’s Mobile Banking app.
  • Access to thousands of ATMs with your Debit MasterCard. Your transactions are FREE at more than 25,000 CU ANYTIME and Co-op ATM machines. Plus, your card works wherever MasterCard is accepted for quick and easy payment.
  • Overdraft protection available. Funds are automatically transferred from your savings/line-of-credit loan to pay your checks. Up to six unsigned/electronic transfers from your savings are permitted each month ($4.00 fee per occurrence).
  • Free online banking and online bill pay. Access your account information, transfer funds, pay your bills online without writing a check, and more! It’s all available through First Link online banking 24/7, and it’s free!
  • Telephone access to your account 24/7 through First Line automated phone service.
  • E-Statements. Save a tree, and help reduce the risk of identity theft.

CheckProtect®

At First Financial Credit Union, we know you depend on us to provide you with a variety of financial services while protecting your personal information. That’s why we take many steps to safeguard the confidential information you entrust to us.

One such step is selecting CheckProtect as our new standard of delivery for personal check orders that you purchase from us. Why? Because your checks are so much more than paper. They represent your checking account and the services associated with it, such as your debit card, online bill pay transactions, automatic withdrawal payments and direct deposits — all of which could need to be re-established if your check order does not arrive to you safely.

CheckProtect provides you with an improved level of security at a low cost by offering:
• Tamper-evident polywrap packaging that helps conceal your checks
• Fully trackable deliveries, so you know where your checks are
• Estimated delivery dates that let you know when to expect your order

Working closely with our check program provider, Harland Clarke, we can provide this valuable service at a competitive price. The charge for CheckProtect will be added to the price of any check design you choose to purchase, and the total amount will be deducted from your account when you place your next order.

If you have questions about the benefits of CheckProtect, visit Harland Clarke.



You also have 24/7 access to your accounts via online banking (including free online bill pay) and First Line 24 hour telephone service.

Questions on checking? You can call our Member Resource Center at (505) 766-5600 (or 1-800-342-8298), or stop by any of our offices for more information. For a list of documents needed for opening a business account, click here


Courtesy Pay is a discretionary overdraft service provided to members in good standing. Courtesy Pay covers transactions that would otherwise be denied or returned unpaid. It helps you avoid costly merchant fees and embarrassment while increasing convenience.

Courtesy Pay supplements the free overdraft protection that you set up from your First Financial Credit Union’s savings/line-of-credit loan to pay your checks to protect your checking account from going negative. If your overdraft protection from your other accounts is depleted, Courtesy Pay takes effect.

How Courtesy Pay Works

Courtesy costs you nothing unless you use it, and is subject to a fee of $26 per instance. There are limitations on the total amount your account may be overdrawn, including fees. This amount is specific to your account and won’t exceed $1,500. If there are insufficient funds to clear an item presented against your account, we may pay those items based on your Courtesy Pay limit.

Check Cards and Courtesy Pay

The financial reforms of 2009 mandates that after July 1, 2010, First Financial may not pay overdraft transactions on your debit card transactions unless members have chosen this option. If you would like to have First Financial authorize and pay overdrafts on your everyday debit card transactions, please fill out the form below or use the online form.

  1. If there are muptiple owners/joint owners on the ATM and/or debit card account, either account owner can act on behalf of all owners on the account. Only one account owner’s signature is required to add or remove the overdraft coverage.

  2. Please select one of the following*

Still have questions? Review our Frequently Asked Questions.


End those hectic trips at lunch or after work to deposit your paycheck. Use direct deposit to have your entire paycheck or just a part of it automatically deposited to your credit union accounts. It’s convenient, safe and free to members.

At your credit union, you can have your paycheck distributed within your account — some to checking, some to savings, to make your loan payment, to your Christmas Club or IRA, even to another member’s account (for example, your child’s account). Up to ten distributions are possible.

Direct deposit is available from:

  • Credit Union-Affiliated Companies. Most companies affiliated with the credit union offer some form of direct deposit. Check with your company’s payroll office for more details.
  • Other Companies. If your company (or your spouse’s) offers direct deposit to the institution of your choice, you can have it deposited to First Financial. Check with your company’s payroll office for more details.
  • Social Security or Pension Checks. We have the forms to get your Social Security check deposited directly to your CU account. For pension checks, check with your pension manager.

To start direct deposit, visit your Human Resources or Payroll Department. You will need to be able to provide them with the following information:

  • Institution Name: First Financial Credit Union
  • Our routing & transit number: 307083694
  • Your account number. If you are having your direct deposit go to your savings, use your credit union member number (it’s the number on your membership card or on your monthly statement). If you’re having your direct deposit going to checking, use the number from the bottom of your checks (your member number plus one extra digit).
  • Whether you want the funds to go to savings or checking.

Our Reloadable Debit Card!

The reloadable Debit Card is a Visa prepaid card, so it does not require a checking account for access to funds. There is no interest rate for charges. Money available for spending is determined by the amount of money you load on the card.

Each time you use your card, the purchase amount is automatically deducted from your card balance. When your balance gets low, you can add more money onto the card.

With your Reloadable Debit Card, you can:

  • Save money by using it instead of paying check cashing fees, buying money orders, and paying for money transfer services
  • Safely protect your money when traveling
  • Protect your checking and credit by using the reloadable card when making online purchases
  • Use like a credit card, but without the risk of debt
  • Have a safe option to access your money

To purchase your First Financial Reloadable Debit Card, simply come in to any of our branch locations.

For more information, refer to our frequently asked questions and answers section by clicking here.


FIRST New Mexico Credit Union with Apple Pay™

To add your First Financial credit or debit card, you’ll need an iPhone® 6 or iPhone 6 Plus with iOS 8.1 or later. Open the Passbook® app, swipe down and tap the plus sign. Use your iSight® camera to enter the card, or add it manually.

If your First Financial Credit Union card is already in iTunes®, just key in the Security Code (the CVV code from the back of your card).

How to Use Apple Pay in Participating Stores:

1. Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.

2. Place your finger on the Touch ID™. Or, you may need to enter a passcode and sign a receipt.

3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

Easy. Secure. Private.

Making payments with Apple Pay is easy. The entire transaction is secure, as your credit and debit card numbers aren’t stored on the device or on Apple’s® server, so they’re never shared with the merchant. And, if your iPhone is ever lost or stolen, just use the “Find My iPhone” feature.