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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.

Set up an appointment to manage your money with Only One Checking today.

Make an Appointment

I rely on Only One Checking to check my balances, see what checks have cleared, and to make fund transfers. The free debit card gives me peace of mind knowing I can easily make purchases wherever I go.

— Kathleen Pezzulo, Member
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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 August 19, 2018


Minimum balance to earn dividends

0.10% Rate
0.10% APY*


Minimum balance to earn dividends

0.15% Rate
0.15% APY*


Minimum balance to earn dividends

0.20% Rate
0.20% APY*

$10,000 and Over

Minimum balance to earn dividends

0.25% Rate
0.25% APY*

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

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