Essential Checking
Essential Checking is your everyday account—simple, no fees, and easy to manage with confidence.
Rewards* | No Fees or Penalties
Essential Checking offers a straightforward, no-frills banking experience with everything you need and nothing you don’t. It’s the perfect everyday account—easy to use, with no monthly fees and no balance requirements. Plus, you’ll still earn points through uChoose Rewards® every time you spend.
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1
Free
There’s no minimum balance and no monthly maintenance fees. Just free checking that pays you back.
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2
uChoose Rewards®* (coming soon)
Earn 1 point for every $5 you spend with your debit card.
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3
Easy Access
Use online banking and mobile tools to stay in control.
“I always advise everyone I come in contact with about the great service and rates that Fitzsimons offers”
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Essential Checking is a free, non-interest-bearing checking account with no monthly maintenance fees and no minimum balance requirements. *You can enroll in the uChoose Rewards® program, where eligible signature-based debit card purchases earn 1 point for every $5.00 spent. Reward points may take up to 30 days after the transaction to appear in your uChoose Rewards® account. ATM withdrawals, internal transfers, and debit card transactions processed as ATM or PIN-based transactions do not qualify for reward points. Participation in the uChoose Rewards® program is governed by uChoose Rewards® terms and conditions, which are subject to change without notice. Fitzsimons Credit Union is not responsible for the availability, redemption, or value of any third-party rewards. Membership eligibility required. Federally insured by NCUA.
Rates
| Type of Account | Minimum Balance** | Dividend Rate1 | APY1 |
|---|---|---|---|
|
Elite Advantage Checking |
|
|
|
Disclosures
1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.
** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.
Compare Accounts
| Account Feature | Essential Checking | Partner Rewards Checking | Elite Advantage Checking | Business Checking |
|---|---|---|---|---|
|
Account Fees |
no |
no |
$7.50/month |
$10/month |
|
Fee Waiver Options |
n/a |
n/a |
no |
maintain average daily balance of $3k |
|
Rewards |
no |
ATM fee refunds up to $25 per month |
|
no |
|
Cash Back |
no |
$0.25/per debit card transactions up to $10/month |
|
no |
|
Loan Discounts* |
no |
no |
0.25% |
no |
|
Dividends |
no |
no |
3% up to $10k |
no |
|
Qualifiers |
no |
15 debit card transactions per month |
no |
no |
|
uChoose Rewards** |
1 point per $5.00 |
1 point per $5.00 |
1 point per $5.00 |
1 point per $5.00 |
|
Up to $10,000 Accidental Death & Dismemberment Insurance |
no |
no |
|
no |
|
Up to $5,000 Identity Theft Insurance |
no |
no |
|
no |
|
Social Security Number Monitoring |
no |
no |
|
no |
|
Card Registration & Monitoring |
no |
no |
|
no |
|
Everyday Rebate Rewards (up to 10% cash back) - $80 yearly |
no |
no |
|
no |
|
Cash Back Rewards |
no |
no |
|
no |
|
Online Savings |
no |
no |
|
no |
|
Discount Prescriptions |
no |
no |
|
no |
|
One free Skip-A-Pay per year*** |
no |
no |
|
no |
|
One overdraft forgiveness per year**** |
no |
no |
|
no |
|
1/2 priced wire transfers |
no |
no |
|
no |
Rates effective as of: April 16, 2026
*Valid on all loans under the same member number with an Elite Advantage Checking account. APR = Annual Percentage Rate.
** Only signature-based debit card purchases are eligible to earn rewards. Enrollment is required to earn points. Visit uChooseRewards.com to enroll.
***Valid on all eligible loans under the same member number with an Elite Advantage Checking account (note: not all loans are eligible) . Must be a member in good standing and all loans must be paid current. Offer subject to approval. Offer excludes Certificate
Secured Loans, Lines of Credit Loans, Credit Cards, PIC Loans, Worry Free Repayment Loans, and all Real Estate Secured Loans. Interest will continue to accrue, even though a payment will not be received. All other agreements in the loan remain in effect except
those changed by this offer. Choosing to skip-a-payment will extend the term(s) of the loan(s). Skip-a payment offer is approved if you do not receive notice otherwise. Must Qualify.
****Upon request. $30 maximum.
******Elite Checking Rewards through Trilegiant:
Up to $10,000 Accidental Death & Dismemberment Insurance
Up to $5,000 Identity Theft Insurance
Social Security Number Monitoring
Card Registration & Monitoring
Everyday Rebate Rewards (up to 10% cash back)-$80 yearly
Cash Back Rewards
Online Savings
Discount Prescriptions
*******Elite Checking Rewards through FFCU:
One free Skip-A-Pay per year1. Valid on all loans under the same member number with a Partner Paramount Checking account
One overdraft forgiveness per year. Upon request; $30 maximum
½ priced wire transfers
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