Routing Transit Number (RTN): 251482066

Personal Checking Accounts

Lifetime free checking! Say goodbye to monthly fees!

Have 24/7 access to your accounts through our provided ATM Service (make sure to use our ATM locator to find other surcharge free ATMs in the area other than our on-site ATM). You also have the ability to write personal checks from your account, use your debit card for purchases online and in the store ($1,500.00 limit per day), or withdraw cash from the ATM ($500.00 limit per day). So come down today and open your LIFETIME FREE First NRV Credit Union checking account today!

  • No minimum balance requirement for checking accounts.

  • No monthly fees, check clearing charges*, or teller transaction fees (please see our Schedule of Fees for a full list of applicable fees).

  • Unlimited Surcharge-Free ATM transactions at any First NRV ATM or any other ATM covered under the CU24 network.

    • Make sure to use our ATM Locator Button on the main page of our website to find more FREE ATMs!

  • With any non-First NRV ATM or non–CU24 ATM we charge $1 for each transaction .

    • Balance inquiries at non-CU24 ATMs are $0.50 per account inquiry.

  • Overdraft Protection is available to all our members.

  • E -Statements are now available (Call us to switch over to E-Documents today).

  • Funds Availability Policy applies.

  • Maintaining an Average Daily Balance of $100.00 is required for cashing checks with no fee (see our current schedule of fees for the applicable fee amount).

* Notice: Checks will be available for purchase. Anyone 65+ years of age gets free checks for life. Premier memberships (please call for more details) receive one free check order per year. If a check or ACH attempts to clear from your First NRV Credit Union account and the funds are not available within the account, there will be a $40 insufficient funds fee applied to the account where the check was drawn from. This fee only applies to First NRV Credit Union accounts. No exceptions will be made. First NRV Credit Union will not contact you to notify you of any potential and/or pending overdrafts on your account(s).

Youth Checking Accounts

let them learn the basics of spending

Open a Youth Checking Account at First NRV Credit Union today. No minimum balance required! In order for your child to be eligible for a Youth Checking Account, they must meet the following requirements:

  • Must be 16 years of age or older.

  • Must be eligible for membership based on our current membership fields.

  • Must have a First NRV Credit Union Youth Savings account.

    • All First NRV members are required to have a savings account.

  • Photo ID (School ID, Library Card, Rec Hall ID, etc)

  • Must have a co-owner on the account that is their legal guardian or a relative.

  • $10.00 is required to open the account. $5 membership fee, and a $5 minimum balance for the account.

For savings options with a higher return rate, please view our current share certificate offers on our personal savings page by clicking here.

Mastercard Debit Cards

get your first debit card for free

  • The first ATM/Debit card is free. If your card is ever lost or broken there is a $10 replacement fee for the first card that you have replaced. The fee then rises to $15.00 for each card you order afterwards. The fee will only be waived if a fraudulent charge tries to clear from your First NRV debit card.

  • There will also be a $10.00 PIN Reissue Fee in the event of you needing to change your First NRV Credit Union Debit Card PIN. (In other words, remember your PIN number or else a fee will be applied to your accounts for changing your PIN!)

Now Offering MobiMoney - Take control of your debit card!

  • First NRV Credit Union is now offering a third-party mobile application called MobiMoney to all of our members.

  • This service requires that you have an account with us, and that you also have an ATM or Debit Card attached to the account.

  • MobiMoney will allow you to turn your card on/off at the touch of a button, block certain types of transactions, set spending limits, and much more!

  • MobiMoney is available for free on the Google Play Store and the Apple App Store! Please don't hesitate to call us with any questions or if you need assistance with a specific issue! We are here to help you take control of your Debit Card!

ATM & Debit Card Daily Limits

  • There is a $500.00 ATM withdrawal limit every 24 hours.

  • There is a $1,500.00 point of sale (in the store/online purchases) daily transaction limit on debit cards for every 24 hours (ATM cards cannot be used in a store, they can only be used at ATMs to withdraw cash).

  • Your card limits can be raised per your request, but you must call us our debit card providers at 1-800-278-6888 in order to do so.

    • You will need to specify the amount you need the limit raised to and the range of dates for this change to stay in effect.

      • Please make sure to mention any other transactions that you have done during the current business day. If you fail to do so, the limit may not be increased enough for the payment to be processed.

Direct Deposit

Go Paperless with Direct Deposit

Direct deposit is an electronic payment from one bank account to another. For example, when money moves from an employer’s bank account to an employee’s bank account, although there are several other ways that direct deposit can be used.

  • Earn a discount on loans at First NRV by setting up direct deposit

  • Setup auto-pay for your loans from your direct deposit

Overdraft Protection - Automatic Transfers


  • First NRV Credit Union’s Overdraft Protection service requires you to link your savings to your checking account. In order for this service to operate effectively, and save you from overdraft fees, you must have matching funds present within your linked savings account. The funds within this linked savings account can then be automatically transferred to cover the amount of the charge that is drafting from your checking account.

  • Automatically transfer money from your savings account to your checking account to prevent insufficient fund fees from being applied to your account.

    • This is considered an electronic transfer.

      • Other forms of electronic transfers are by the phone transfers, and transfers done through online account access or internet branching.

        • Automatic transfers (electronic transfers) can only be done 6 times within one month, and afterwards, a $20.00 Regulation D transfer fee will be applied to your accounts for each transfer made after the 6 transfer limit has been reached. So if you go two transfers over the limit, $40.00 in fees will be applied to your accounts. This is a Federal Regulation that we are legally obliged to uphold. No exceptions will be made.

  • If you do not have the necessary matching funds in your savings account to cover the amount of the transaction that is trying to clear your accounts, an NSF fee will be applied to your accounts for any and all overdrafts. No exceptions will be made.

*A HELPFUL TIP FROM YOUR FRIENDLY NEIGHBORHOOD CREDIT UNION:  Take advantage of our online account access through this website to keep better track of the transfers that you have made each month! This will help you dodge the Reg D fee! Just remember, no more than 6 transfers from your savings to your other accounts within one month, or else a $20.00 fee will be applied to your account. NO EXCEPTIONS WILL BE MADE.