CHECKING ACCOUNTS

Routing Transit Number (RTN): 251482066


Share Draft Accounts (Checking)

providing the accessibility & flexibility that you need!

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 at First NRV FCU

  • 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 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 are $0.50 per account inquiry)

  • Overdraft Protection is available to all our members

  • eStatements are now available (Call us to switch over to eDocuments 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 can get checks for free. If a check or ACH attempts to come through for payment and the funds are not available within the account, there will be a $40 insufficient funds fee applied to the account. 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).


Debit Cards

get your first card for free

  • The first ATM/Debit card is free. If your card is 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 the 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/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!

Debit/ATM 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.


Overdraft Protection Option

the safety net.

Don't have enough money in your checking account to cover that last transaction you made? Don't sweat it, First NRV Credit Union has you covered with our Overdraft Protection Service!

  • This service requires you to link your savings to your checking account.

  • In order for Overdraft Protections to function properly and prevent fees from occurring, you must have the matching funds present within your savings account (or other applicable linked account) to cover the amount of the transaction that is attempting to draft/clear from your checking account.

    • This service is not a line of credit, it requires you to have the matching funds present in your savings.

  • Our Overdraft Protection service will automatically transfer money from your savings 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. If you do more than 6 electronic transfers within one month, a $20.00 Regulation-D fee will be applied to your account.

  • If you do not have matching funds in your savings account to cover the amount of the transaction that is trying to clear your accounts, you will have an NSF fee of $40.00 applied to your accounts for any and all overdrafts. No exceptions will be made.


Automatic/Electronic Transfers

the rule about transfers from your savings

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


A HELPFUL TIP FROM THE FRIENDLY NEIGHBORHOOD CREDIT UNION

take our advice, we are here to help.

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.