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No Fee FT Checking


Open an FT Checking Account by using the FT Pay app. You can earn up to $100 in cash bonuses. Click here for details.


With NO minimum balance, NO maintenance fees and unlimited foreign ATM fee rebates, you can't go wrong!


Finally. A checking account designed for the way you live today. This convenient, FDIC-insured online account has everything you need to bank without a branch!1 Never worry about maintaining a minimum balance or which ATM you have to use to avoid a fee again! If you’re looking for a hassle-free checking account, the FT Checking is the right choice!

  • Product Requirements2:
    • Open the account with $100.00 or more
    • Enroll in Online Banking – FREE!
    • Enroll in eStatements – FREE!
    • Elect to receive a MasterMoney® Debit Card – FREE!
  • Earn interest on balances of $1,000.00 and above
  • Unlimited foreign ATM fee rebates3
  • Free Online Banking, eStatements & Bill Pay
  • Free online internal & external transfers
  • Free first order of basic checks
  • NO monthly maintenance fees & per check charges
  • NO minimum balance requirement (after $100.00 minimum to open)
  • Direct Deposit available
  • Set up Overdraft Protection to a savings account and never worry about overdrawing your account again
  • FDIC–insured1


Accessing Your Funds


  • FREE internal & external transfers between your First Trade accounts and your accounts at other financial institutions


  • Making Deposits & Transfers:
    • Unlimited, fee-free deposits and balance inquiries at all First Trade ATMs & branch locations
    • Unlimited, fee-free deposits and balance inquiries at ATMs displaying the NYCE® Shared Deposit Program logo
    • Direct deposit
    • Unlimited deposits via postage-paid Bank by Mail envelopes
    • Make account transfers at all First Trade branch locations
    • Fee-free, real-time Account-to-Account transfers at First Trade ATMs using your MasterMoney® Debit Card to accounts at financial institutions that participate in the NYCE® Payment Network
  • Making Withdrawals:
    • Unlimited, fee-free withdrawals at all First Trade ATMs & branch locations
    • Unlimited surcharge-free withdrawals at ATMs displaying the SUMSM Program logo
    • Fee-free foreign withdrawals at ATMs displaying the NYCE® Payment Network or Cirrus® logos 
    • Foreign ATM surcharge fees will be rebated each month!3
Rates & Fees
  • 0.05% APY4 on balances of $1,000.00 and above
  • No fees
Convenient Links
1 FDIC–insured up to at least $250,000 per depositor.
2 You must enroll in Online Banking, receive eStatements and receive a Debit Card in order to qualify for this account. Your account will revert to a Free Checking account if you do not elect to receive these services within two (2) months after the account is opened or if you opt out of these services anytime after the account has been opened.
3 ATM surcharge rebates apply to cash withdrawals using the First Trade Master Money Debit Card wherever it is accepted. First Trade makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. ATM fees will be rebated at the end of each statement cycle. First Trade reserves the right to modify or discontinue the ATM surcharge rebate at any time.
4 Annual Percentage Yield (APY) is accurate as of . Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings.


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