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Personal Checking Account

Manage Your Money With Only One Checking

A First Source Only One Checking Account is the only checking account you'll need. Only One Checking allows you to manage your money with ease, automation and security, while customizing your banking experience to fit your needs. From online and mobile banking services to budget management tools and easy ways to deposit and make payments, Only One Checking helps you stay on track. Plus you can sign up for checking rewards!

Woman Doing Finances at home on Smart Phone


Debit Card
Quick and easy shopping

Your First Source debit card comes with the security of EMV chip technology and the purchasing power of Visa®. You can also add your First Source debit card to your Mobile Wallet for safe, secure, contactless payment right on your mobile phone. Manage your card with ease and block or unblock it if you ever need to right though online banking or the mobile app.

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Direct Deposit
Time saving automation

Make pay day easy with direct deposit. No trips to the branch or deposits with your phone needed. If your employer offers a direct deposit option, your funds will be automatically deposited into your checking account ready to use. See the benefits of Direct Deposit when opening your Only One Checking Account.

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Overdraft Protection
Mistakes happen

We are here for you during every step of your financial journey, including if you accidentally overdraw your checking account. Should you find yourself in this situation, know that we have safeguards in place to help you.

Here are the Overdraft Protection steps we take to help you with your Only One Checking Account.

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Fraud Protection
Safe and secure

First Source has safeguards in place to help mitigate fraud on all accounts. From monitoring card transactions to federally insuring up to $250,000 on all deposit accounts. You’re covered if fraud is detected.

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Nationwide ATM Access
Convenient locations

With your First Source Only One Checking Account debit card, you can withdraw funds surcharge-free at over 30,000 ATMs across the United States. Easily find the nearest in-network ATM with our online zipcode finder, mobile app or text feature.

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Online Banking
24/7 access

Make sure to sign up for Online Banking to easily manage your money from anywhere. Plus you can customize your online Money Management experience. 

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Money Manager Checking Account
Checking for your teen

Our Money Manager Checking Account is geared toward our teenage members. As they prepare for adulthood, our teens generally take on new financial responsibilities, including their own checking account. (Joint with a legal guardian)

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Live Smarter

Get started with an Only One checking account today or call 315-735-8571 to talk about your options.

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Let’s Get Started

We look forward to helping you.

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When managing your money it helps to have a savings plan.

Get started with building your savings here.


Savings Calculator

Only One Checking Rates

Check today’s rates effective March 7, 2021

Minimum Balance to Earn Dividends Dividend Rate APY*
$10,000 and Over
Minimum balance to earn dividends
0.05% 0.05%
$2,500-$4,999.99
Minimum balance to earn dividends
0.05% 0.05%
$5,000.00-$7,499.99
Minimum balance to earn dividends
0.05% 0.05%
$7,500.00-$9,999.99
Minimum balance to earn dividends
0.05% 0.05%

Fees can reduce the earnings on the account. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield