Choosing the Right Checking Account in Oklahoma
Picking the right Checking Account can make a big difference in how you manage your day-to-day finances. Whether you're looking to earn rewards, keep things simple, or find age-specific benefits, Fort Sill Federal Credit Union (FSFCU) offers several options to meet a range of needs. Each account comes with valuable features and no service fees, making it easy for Oklahoma residents to find the right fit.
In this guide, we’ll walk through what to consider when choosing a Checking Account and compare FSFCU’s four main options: Debit Plus, Premium Plus, Silver Plus, and Simple Checking.
What to Consider When Choosing a Checking Account
Before opening a Checking Account, it’s important to evaluate how you typically use your money. Here are a few factors to keep in mind:
Spending habits: Do you use your debit card regularly? Some accounts reward frequent purchases.
Earning potential: Would you benefit from an account that earns dividends or cash back?
Life stage: Are you 62 or older and looking for senior-friendly perks?
Fees and balances: Look for options with no service fees and low balance requirements.
Accessibility: Ensure you can easily manage your account using digital tools and ATM access.
FSFCU considers all these needs with a range of account options tailored to various lifestyles.
Fort Sill Federal Credit Union Checking Account Options
Debit Plus: Earn Cash Back on Purchases
If you’re someone who regularly pays with a debit card, Debit Plus rewards you for everyday spending.
Key features include:
$0.10 back on every debit card purchase
No cap on monthly cash back
Nationwide ATM fee refunds*
No service fees
Only $0.01 minimum balance required
Free Online/Mobile Banking
Free Fraud Alerts
Cash back is automatically deposited into your account at the beginning of each month. It's a practical way to earn a little extra from purchases you were going to make anyway.
Premium Plus: Checking That Earns Dividends
Premium Plus is a variable-rate Checking Account that rewards you with dividends when you meet certain qualifications during the Monthly Qualification Cycle.
This account also offers:
Nationwide ATM fee refunds*
No service fees
Only $0.01 minimum balance required
Free notary services
Free Online/Mobile Banking
Free Fraud Alerts
If you tend to keep a higher balance and want your money to earn more while still being accessible, this could be a smart choice.
Silver Plus: For Members 62 and Over
Designed for members age 62 and up, Silver Plus offers a traditional, no-dividend account with helpful benefits:
No service fees
Only $0.01 minimum balance required
Free notary services
Free Online/Mobile Banking
Free Fraud Alerts
Free basic checks**
Free mailed or electronic statements
It’s a solid option for older members who prefer straightforward, no-fee checking with added convenience.
Simple Checking: Straightforward and Fee-Free
Sometimes less is more. Simple Checking keeps things clear and uncomplicated with:
No service fees
Only $0.01 minimum balance required
Free Online/Mobile Banking
Free Fraud Alerts
This account is ideal if you’re looking for a no-frills way to manage your money with easy access and no added costs.
Which FSFCU Checking Account Is Right for You?
Here’s a quick way to match an account to your needs:
Do you frequently use your debit card? → Debit Plus
Want to earn dividends? → Premium Plus
Age 62 or older? → Silver Plus
Prefer a simple, fee-free account? → Simple Checking
Each FSFCU Checking Account comes with core benefits, including mobile access, fraud alerts, and a $0.01 minimum balance. Your choice depends on what extra features matter most to you.
Why Choose FSFCU for Your Checking Account?
FSFCU is a trusted financial partner for many Oklahomans. With local roots, member-first service, and checking options built to meet real-life needs, FSFCU makes it easy to manage your money. Members benefit from:
Transparent, fee-free checking
Low barriers to open an account
Digital tools for secure and convenient access
Support from a credit union that’s part of the community
Frequently Asked Question
Q: Are there any monthly service fees for FSFCU Checking Accounts?
A: No. All FSFCU Checking Accounts come with no service fees.
Q: How much do I need to open a Checking Account at FSFCU?
A: Just $0.01. All FSFCU accounts require a minimum balance of only $0.01.
Q: Can I access my FSFCU Checking Account online?
A: Yes, every FSFCU Checking Account includes free online and mobile banking.
Q: Do I have to be in the military to join FSFCU?
A: No. While FSFCU proudly serves military communities, membership is open to a variety of groups. Visit fsfcu.com for full eligibility details.
*Must meet the qualifications during the account's Monthly Qualification Cycle.
**Receive one free box of personalized standard/basic checks per quarter with a maximum of three boxes per year.