Monthly fee

$0

$0 a year for an everyday customer: fees and interest, $2,000 kept.

Schoolsfirst · Checking account

Schoolsfirst Free Checking

$0 a year for an everyday customer. No monthly fee. $25 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
Monthly fee
To open

Against the market

How it ranks

#205of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Branch access
  • Check writing
  • Debit card
  • Early direct deposit
  • No minimum balance
  • Overdraft protection transfer
  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
Noneschoolsfirstfcu.org, checked Nov 8, 2026
Minimum to open
$25schoolsfirstfcu.org, checked Nov 8, 2026
Overdraft fee
$22schoolsfirstfcu.org, checked Nov 8, 2026
Returned item (NSF) fee
$22schoolsfirstfcu.org, checked Nov 8, 2026
Most overdraft fees in a day
3schoolsfirstfcu.org, checked Nov 8, 2026
ATM network
CO-OP Networkschoolsfirstfcu.org, checked Nov 8, 2026
ATMs in the network
30,000schoolsfirstfcu.org, checked Nov 8, 2026
Out-of-network ATM fee
$2schoolsfirstfcu.org, checked Nov 8, 2026
Outgoing domestic wire
$20schoolsfirstfcu.org, checked Nov 8, 2026
Outgoing international wire
$45schoolsfirstfcu.org, checked Nov 8, 2026
Paper statements
Noneschoolsfirstfcu.org, checked Nov 8, 2026
Inactivity fee
$2schoolsfirstfcu.org, checked Nov 8, 2026
Cashier’s check
$5schoolsfirstfcu.org, checked Nov 8, 2026
Stop payment
$15schoolsfirstfcu.org, checked Nov 8, 2026
Card replacement
$5schoolsfirstfcu.org, checked Nov 8, 2026

Who can open it

Membership
Membership required:
  • School employee in California (documentation: most recent pay stub).
  • Retired California school employee (documentation: pension statement).
  • Employee of a company that primarily serves eligible schools or districts in California (documentation: proof of employment).
  • College student in an eligible education program with a student teaching requirement (documentation: transcript).
schoolsfirstfcu.org, checked Nov 8, 2026
Minimum age
18schoolsfirstfcu.org, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

Visit Schoolsfirst

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