Make an Appointment

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 enroll in checking rewards!

Woman Doing Finances at home on Smart Phone

With your Only One Checking Account you'll have access to the following:

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®. If your card was issued on or after 10/1/23, it has a contactless, tap to pay feature. 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.

Learn More

Only One Rewards​
Get rewarded

Have access to great rewards just for using your First Source checking account! Enjoy extras like saving on healthcare with no co-pay Telehealth1, Cell Phone Protection2, IDProtect® identity theft monitoring and resolution services3 and more! Check out all the benefits and full benefit disclosures here.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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. 

Learn More

Interactive ATMs
A smarter ATM

Perform almost any financial transaction you may need, securely and on your schedule, at any of our Interactive ATM locations.

Learn More

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)

Learn More

Choose to Live Smarter

If you have any questions about opening an Only One Checking Account we are here to help. If you’re not yet a First Source Member, start your New Member App today.


Or call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

Become A Member Today

Click below to start your Membership App now.

Start your membership app

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 May 20, 2024

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