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Only One Checking

Manage Your Dreams with Only One Checking

What does your checking account really do? Mostly it’s used as a money management platform. It’s the place where your paycheck comes in and your bills go out. We like to keep it simple. At First Source, there’s only one checking account. And you get rewarded based on how you like to use it best.

Once your Only One Checking account is set up, access it in person at any of our branch locations, online through memberONLINE, or right from your phone with our memberMOBILE app. You can also call anytime.

There is no minimum balance required for a First Source Only One Checking Account. From here you can build your program. If you perform 15 debit card transactions a month, or keep a minimum monthly balance of $2,500 you can be part of the Only One Rewards program for free. If you don’t meet these requirements and still want the rewards, you can have them for a low $5/month. You can also choose to add Overdraft Protection.

Make it easy with direct deposit of your payroll check. For direct deposit, ask for a form to get started. Your employer will need to complete it and we’ll do the rest.

Only One Rewards Program

Let’s Get Started

We look forward to helping you.


Mobile Wallet

All your cards in one location on your electronic device

Add your First Source Debit Card to your mobile wallet for even more convenience!

You can pay with your phone or mobile device at any register that accepts Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay.

Once uploaded into your “digital wallet”, each card has its own “token” which takes the place of the actual card number. Tokens mask card information, creating a layer of security for each transaction. If a merchant were to have a breach, your information would not be compromised.


  • Your phone must first have digital or mobile wallet capabilities. Older models may not have this technology installed. Please check with your provider.

  • Ensure a mobile pay solution, ie. Samsung Pay, Apple Pay, etc.is installed on your device. Some come with it pre-installed, others may need you to download from your app store. You may also need to set up an account. Again, check with your provider.

  • Once your mobile pay solution is ready to go, open the application and follow the easy prompts to upload your card(s).

  • Set your Debit Card or First Source Visa Platinum card to default.

  • Within the activation process you will need to accept the terms and conditions, and may be required to receive a text or email confirmation.

  • Once enrolled, you will recognize your First Source card(s) by the digital image and last 4 digits.

Additional Security

Tokenization limits fraud opportunities due to the following security measures:

  • Touch ID/Passcode will be required when your First Source card is added to your mobile wallet so only you can unlock it.

  • Tokens are only usable when paired with the device they are assigned to. The token, passcode, and electronic device all have to be together in order to make a purchase.

  • Lost/stolen devices can have their token suspended, which will not block your physical card. If you were to lose/damage your phone, you can suspend the digital wallet while still being able to use your physical card. Once you have a new phone you would enroll your card into your new phone’s mobile wallet.

  • Your card number is NEVER revealed to the merchant.

 You are now ready to use your First Source card(s) within your mobile wallet.

Live Smarter 

If you have any questions, we are here to help. Call 315-735-8571 to talk about your options.

Get Started

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 June 23, 2021

Minimum Balance to Earn Dividends Dividend Rate APY*
Minimum balance to earn dividends
0.05% 0.05%
Minimum balance to earn dividends
0.05% 0.05%
Minimum balance to earn dividends
0.05% 0.05%
$10,000 and Over
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