Starts Free. Stays Free.

Classic Checking

At First Basin, we offer our members truly free checking. This means we don’t require a minimum balance in your checking account and we do not charge deposit fees, service charges or debit card usage fees. However, at FBCU, the word “free” stands for much more – we provide you a free high-quality VISA debit card to access your money at ATMs and wherever VISA cards are accepted. Manage your checking account for free with our Online Banking, Mobile App, eStatements, Online Bill Pay and beyond!

  • Set-up direct deposit and payroll deduction
  • We offer Overdraft Protection Plans
  • Need a notary? Utilize our notary services – free
  • No per-check charges, and order your checks online!
  • Instant Issue debit cards are available at all branches!

Premier Checking

Don't worry, it is still free.

Would you like to experience the power of earning dividends on your checking account? Dividends are similar to interest – it is money First Basin pays you for keeping a $500 minimum daily balance in your Premier Checking account. The best part? Premier Checking is also free and offers the identical perks and money management tools of a Classic Checking account.

Upgrade your wallet:

Upgrade the way you pay with one of First Basin's all-new debit card designs! Checking account holders, visit one of our branches in Midland, Odessa, Andrews or Lubbock to order your first-class quality debit card.

Do you need your debit card #NOW? Instant Issue debit cards are available as an option to members.

Can't wait? Instant Issue cards available #NOW!

Where is my FBCU?

Time to update your PIN?

Did you forget the Personal Identification Number (PIN) to your debit or credit card? Perhaps it is just time to update it to continue keeping your accounts secure. Whatever the case, First Basin has made changing your PIN number simple – and you can do it anywhere. Here is how:

  • FBCU members, call: 1-877-746-6746
  • The automated system will ask for you 16-digit card number
  • Next, verify your identity by:
    • Entering the last four digits of your social security number
    • Providing the CVV number on the back of the card
  • Once verified, you will be allowed to enter a new PIN number.
  • Your new PowerPIN is ready to use.