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Checking Accounts

With several checking accounts to choose from, Foothill has options for everyone.

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Because you have your own way of doing things

A one-size-fits-all account? That just won't cut it. At Foothill Credit Union, we offer a variety of checking options designed for your unique lifestyle and individual financial goals.

 

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Easily move direct deposits and recurring payments to your Foothill account with the click of a switch. Learn more.

Protection Plus Checking
Perfect For

Those who want identity and account protection with a rewards program.
Monthly Fee1

$4.95
ID Protection
Yes
Credit Report Monitoring
Yes
Cell Phone Insurance
Yes
Earns Dividends2
Yes
Debit Card Rewards3
Yes
ATM refunds4
Yes
Minimum Balance
No
Auto Loan Discount5
Yes
Rewards Checking
Perfect For

Those who use signature-based debit card transactions.
Monthly Fee1

$3.00 fee can be discounted or waived
ID Protection
No
Credit Report Monitoring
No
Cell Phone Insurance
No
Earns Dividends2
Yes
Debit Card Rewards3
Yes
ATM refunds4
Yes
Minimum Balance
No
Auto Loan Discount5
Yes
Simply Free Checking
Perfect For

Those who want a checking account with no maintenance fees.
Monthly Fee1

FREE
ID Protection
No
Credit Report Monitoring
No
Cell Phone Insurance
No
Earns Dividends2
No
Debit Card Rewards3
No
ATM refunds4
No
Minimum Balance
No
Auto Loan Discount5
Yes
Features
Protection Plus Checking
Rewards Checking
Simply Free Checking
Perfect For

Those who want identity and account protection with a rewards program.

Those who use signature-based debit card transactions.

Those who want a checking account with no maintenance fees.
Monthly Fee1

$4.95

$3.00 fee can be discounted or waived

FREE
ID Protection Yes No No
Credit Report Monitoring Yes No No
Cell Phone Insurance Yes No No
Earns Dividends2 Yes Yes No
Debit Card Rewards3 Yes Yes No
ATM refunds4 Yes Yes No
Minimum Balance No No No
Auto Loan Discount5 Yes Yes Yes

1 The monthly fee can be discounted or waived. See Rewards Checking.

2 Dividends are calculated daily and compounded and paid monthly. See current rates. Please refer to our Truth-In-Savings Disclosure for all applicable disclosure information. Rates are subject to change without notice. To qualify for dividends, you must make 10 or more signature debit based debit card or POS debit card transactions a month; opt-out of paper statement enrolling in e-statements; and perform at least 1 electronic withdrawal or electronic deposit in your account.

3 To qualify for debit card rewards the transaction must be signature-based.

4 ATM refunds up to $20 if the following account activity is met that month: 1) enrolled for e-Statement, 2) made at least 10 debit card transactions, and 3) made at least one electronic debit or credit transaction.

5 Get a 0.25% discount for having an auto payment transfer from a Foothill checking account with a direct deposit. Get a 0.50% discount for having auto payment transfer from a Foothill share account with direct deposit or payroll deduction, minimum of $1,000. Final rate cannot go below the floor rates.

Fees could reduce earnings.

Refer to Disclosure and Agreement of Terms and Conditions

"Plus" what? Thanks for asking. Our perk-filled checking option pays dividends on deposits. Plus, it offers an attractive rewards program. Plus, it provides comprehensive protection against identity theft. Plus - well, just take a few moments to look at the list below.

  • Earn dividends on checking balance*
  • Earn reward points by using your free Debit Rewards Mastercard**
  • Redeem rewards points for brand-name merchandise, concert and event tickets, electronics, gift cards and more (Explore the Rewards Program)
  • Get reimbursed up to $300 if your cell phone is damaged or stolen
  • Breathe easier with IDProtect® monitoring and resolution service
  • Get up to $20 in ATM fees refunded each month***
 

IDProtect

IDProtect® is an identity theft monitoring and resolution service for you, your joint account holders, and eligible family members.1 It's designed to give you peace of mind knowing that you are protected against scams or fraud anywhere in the world - even if it has nothing to do with your Foothill Credit Union account.
 
  • 3-in-1 Credit File Monitoring: IDProtect will monitor your Equifax®, Experian® and TransUnion® credit files daily, and alert you if key changes occur. (Registration/activation required.)
  • 3-in-1 Credit Report: Request an updated credit report every 90 days or when you receive a credit alert. Each new report includes an updated credit score using Equifax data. (Registration/activation required.)
  • Comprehensive ID Theft Resolution Services: Should you become a victim of identity theft, an ID Protect fraud resolution specialist will help you every step of the way until your identity is restored.
  • ID Theft Expense Reimbursement Coverage: Receive up to $10,000 to help pay expenses, clear your name and help recover your identity, should you become the victim of identity theft.
  • Debit and Credit Card Registration: Register your credit and debit cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/activation required.)
  • Total Identity Monitoring: Monitoring of over 1,000 databases (Registration/activation required.)
  • Online Identity Theft News Center: Learn about the latest trends and access valuable phone and web resources.(Registration/activation required.)
     

How to Register for IDProtect

  1. Speak to a Foothill Member Services Representative by calling (626) 445-0950 to receive your access code, then visit www.idprotectme247.com. If you already have the code, you can just straight to the site.
  2. Complete the information to register your account
  3. Once you’re registered, click the “Services” tab and select “Credit Monitoring”
  4. Activate Credit Monitoring by providing the requested information. This service monitors all three of your credit reports to check for anything suspicious. You will begin receiving email alerts on your credit every time something happens, such as a new trade line, inquiry or change of address. If someone steals your identity, you’ll know about it right away! If you get an alert, you’ll automatically get to pull a new credit report and score. You’ll also receive a “no news is good news” email every month if there are no issues.
  5. To activate Total Identity Monitoring†, go back to the services tab at the top and select "Total Identity Monitoring." Complete the requested information. This will start monitoring your identity in non-credit based areas, including Social Security, medical fraud and public records. Once registered, you’ll be given a green, yellow, or red light—this is based on your ID theft risk. If you have a yellow or red light, don’t panic, just call the resolution services number.
  6. To register your credit, debit and/or department store cards, select “Card Registration” under the “Services” tab. Complete the requested information.

    If your wallet is ever lost or stolen, you’ll call IDProtect and they will call and cancel all of your cards for you!
 
You can also register and activate your services by calling (877) 610-7889.
 
For complete details of IDProtect, click here to access the Guide to Benefits.
 

Cellphone Protection

No longer a luxury, cellphones have become an important part of our daily lives. Replacing them if they are stolen or damaged can be costly.

  • As a Protection Plus account holder, you can receive up to $300 of coverage to reimburse the cost of replacing or repairing your device.
  • This valuable protection covers you whether you are at home or abroad.  
  • There's a $50 deductible per claim, with up to two claims per year.
 

Earn Rewards

Using your Foothill Debit Card can pay off big time. You'll earn points every time you use your card for a signature-based transaction. (This means, instead of inputting your PIN, you'll sign for the transaction instead.) From groceries to fuel to utility bills, your everyday purchases will really pay off.
 

  • Earn Bonus Partnership Points: Earn even bigger rewards when you buy from one of 3,000-plus merchants at our online mall, ShopSPOT Online. You’ll earn bonus Partnership Points on all signature-based purchases using your rewards debit card.
  • Hundreds of Rewards are Waiting: Redeem your points for merchandise, cash travel, gift cards, green products, charitable donations, event tickets, and more by logging into your Online Banking account and clicking on the "Card Rewards"

*** ATM refunds up to $20.00 per month if minimum electronic service requirements are met. (listed below)

* Dividends paid each month if minimum requirements are met. Dividends are calculated daily and compounded and paid monthly. Please refer to our Truth-In-Savings Disclosure for all applicable disclosure information. To qualify for dividends, you must make 10 or more signature debit based debit card or POS debit card transactions a month; opt out of paper statement, enrolling in eStatements; and perform at least 1 electronic withdrawal or electronic deposit in your account. Rates subject to change without notice. See current rate sheet. A valid electronic withdrawal or deposit includes any of the following: One FFCU online bill pay per month; one direct deposit or payroll deduction per month or one ACH transaction per month. Contact Credit Union for complete details.

** Signature-based transactions

Fees could reduce earnings.

Refer to Disclosure and Agreement of Terms and Conditions

 


1) IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 2) Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. 3) Credit file monitoring from Experian and TransUnion will take several days to begin following activation.
Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
 
†  Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

We've all heard that it's better to give than to receive. At Foothill Credit Union, we've taken that to heart with a checking option that pays you interest on deposits, offers ATM fee rebates and allows you to easily earn valuable merchandise, travel services and more.

  • Earn dividends*
  • Earn reward points by using your free Debit Rewards Mastercard** 
  • Get up to $20 in ATM fees refunded each month****
  • Redeem rewards points for brand-name merchandise, concert and event tickets, electronics, gift cards and more (Explore the Rewards Program)


Eliminate That Monthly Fee

Rewards Checking offers a lot of great benefits for a low $3 monthly fee. But you can even avoid paying that by doing the following:

  • Sign up for free eStatements - and we'll waive $1
  • Use your Foothill debit card at least 10 times a month– and we'll waive $1.
  • Have at least one electronic debit or credit to the account each month – and we'll waive $1.***

**** ATM refunds up to $20.00 per month if minimum electronic service requirements are met. (listed below)

* Dividends paid each month if minimum requirements are met. Dividends are calculated daily and compounded and paid monthly. Please refer to our Truth-In-Savings Disclosure for all applicable disclosure information. To qualify for dividends, you must make 10 or more signature debit based debit card or POS debit card transactions a month; opt out of paper statement, enrolling in eStatements; and perform at least 1 electronic withdrawal or electronic deposit in your account. Rates subject to change without notice. See current rate sheet. A valid electronic withdrawal or deposit includes any of the following: One FFCU online bill pay per month; one direct deposit or payroll deduction per month or one ACH transaction per month. Contact Credit Union for complete details.

** Signature-based transactions

*** A valid electronic withdrawal or deposit includes any of the following: One FFCU online bill pay per month; one direct deposit or payroll deduction per month or one ACH transaction per month. Contact Credit Union for complete details.

 
 

No hidden fees. No surcharges. No nickel-and-diming you to death. Just a no-nonsense account that offers a long list of money management tools at absolutely, positively no cost.

  • Free Mastercard Debit Card
  • Free Online Banking with electronic bill pay
  • Free Mobile Banking with mobile check deposit
  • Free eStatements
  • Access to a nationwide network of surcharge-free ATMs
  • Free Overdraft Protection and, in many cases, free Courtesy Pay
 

At Foothill Credit Union, we believe everyone deserves a second chance. Even if you've had a few financial missteps along the way, we're happy to offer you a checking option that includes all the essentials - plus the opportunity to bounce back stronger than ever.

  • Free Mastercard Debit Card
  • Access to a nationwide network of surcharge-free ATMs 
  • Low monthly fee*
  • Checks (at cost)
  • If you keep your Rebound Checking account in good standing for one year, you'll be eligible to upgrade to our Simply Free Checking account.

* Monthly service fee of $6. Member must maintain a minimum balance of $50 in their Rebound Checking Account at all times or there will be a $10 monthly minimum balance fee. Member does not qualify for Courtesy Pay. Close monitoring of account by Credit Union and subject to immediate closure for negative activity. Rebound Checking is subject to approval and if opened may be closed at anytime for any reason without prior notification.

Fees could reduce earnings.

Refer to Disclosure and Agreement of Terms and Conditions

 

Hear What Our Members Are Saying

"I've been a member since I was a kid. I love my Money Market Savings account. And who wouldn't be part of a credit union that gives back to our community and supports our kids."


- Marcella F.

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Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.