* Routing / Transit Number : 314088556
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# Checking Accounts
## Checking That Gets You Paid
Open a checking account with Firstmark and earn up to $300 within just 90 days!
!
* **Must be a new member**
* Account must remain open for 90 days
* One direct deposit during first 30 days = **Get $50**
* Two direct deposits totaling $2,000 during days 31-90 = **Get $250**
## Earn & Give Back to Your Community with Power of the Dollar®!
| Annual Earnings1 | Auto Loan Savings2 | ATM Fee Savings3 | Impact Fee4 |
| --- | --- | --- | --- |
| $300 | $98 | $68 | $60 |
##### Benefits
* **Earn 3.00%** APY5 on Balances up to $10,000
* **Get .50%** Loan Discount on
  + Auto
  + Personal
  + Home Equity Loans
* **Get 15** ATM Fee Refunds Per Year
* Free Standard Checks
* Educators Only: Access to 0% APR6 Classroom Supply Loan
* Access to 
##### Account Details
* $25 Minimum Opening Deposit
* Dividends Paid Monthly
* Minimum Average Daily Balance of $500 to Earn APY5
* $5 Monthly Impact Fee
##### Your Impact
Of the $5 monthly impact fee, $1 is contributed to the Firstmark Foundation, funding initiatives that enrich the schools in our community.
| Annual Earnings1 | Auto Loan Savings2 | ATM Fee Savings3 | Impact Fee7 |
| $15 | $98 | $68 | $36 |
* **Earn .15%** APY8 on Daily Balances
* No Minimum Monthly Balance
* $3 Monthly Impact Fee
Of the $3 monthly impact fee, $1 is contributed to the Firstmark Foundation, funding initiatives that enrich the schools in our community.
| Annual Earnings1 | Auto Loan Savings9 | ATM Fee Savings3 | Impact Fee |
| $10 | $49 | $45 | $12 |
* **Earn .10%** APY8 on Daily Balances
* **Get .25%** Loan Discount on
* **Get 10** ATM Fee Refunds Per Year
* $1 Monthly Impact Fee
Your $1 monthly impact fee will be contributed to the Firstmark Foundation, funding initiatives that enrich the schools in our community.
| Annual Earnings1 | Auto Loan Savings2 | ATM Fee Savings | Impact Fee |
| $1 | $0 | $0 | $0 |
* **Earn .01%** APY8 on Daily Balances
* Free first box of checks
* No Monthly Service Fee
This account is subject to foreign ATM fees.
#### Bill Pay
#### Mobile Deposit
#### Digital Wallet
#### Card Controls
Call (210) 442-0100
### All Checking Accounts Have Access To:
* Digital Banking and Mobile Deposits
* Online Bill Pay and Online Statements
* Card Controls & Card Alerts
* Instant Issue Debit Cards
* Early Direct Deposit
* Overdraft Privilege
* FREE Notary Public Services
* Wire Transfers
* VISA® Checkout
## Pay a Person (P2P)
Log in to
Digital Banking
Select
Transfer
Click
Pay a Person
Follow
Online Prompts
 – Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
1. Average checking account balance of $10,000.
2. The average annual savings based on a .50% discount for a $35,000 auto loan at 6.24% for 60 months.
3. Based on the national average $3 charge per transaction at a foreign ATM plus a $1.50 Firstmark foreign ATM transaction fee.
4. The $5 monthly impact fee includes $1 to support the Firstmark Foundation.
5. Annual Percentage Yield. Accurate as of 01/25/2025*.* The Credit Union may offer other rates in the future. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered annual percentage yield (APY) account. Rates are subject to change. Minimum daily balance of $500 to earn APY. Balances $500 to $10,000 the Dividend Rate is 2.96% with an APY of 3.00%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with an APY of 3.00% to 0.01%.
6. APR is Annual Percentage Rate. Accurate as of 01/25/2025. Membership with Firstmark Credit Union required. Must be an active and certified K-12 teacher in a public or a private school to qualify. Rates and terms are subject to change without prior notice. Loan amount is $500. Maximum term is 10 months. Payment example: On a 10 month loan for $500 at 0.00% APR, you would make 10 payments of $50. All loans are subject to credit approval.
7. The $3 monthly impact fee includes $1 to support the Firstmark Foundation.
8. Annual Percentage Yield. Accurate as of 01/25/2025.
9. The average annual savings based on a .25% discount for a $35,000 auto loan at 6.49% for 60 months.
| † | All qualifying members must conduct the following transactions to receive up to $300.   * New member must make a direct deposit (or Automated Clearing House (ACH) of at least $10 into their new Basic, Power of the Dollar®, Power of the Dollar® Plus or Power of the Dollar® MAX checking account to qualify for a $50 payout. The initial ACH deposit must be completed within the first 30 days of account opening. An account may only qualify once for payout. Upon qualifying, the $50.00 bonus will be deposited by the end of day into the member’s new Basic, Power of the Dollar®, Power of the Dollar® Plus or Power of the Dollar® MAX checking account. Deposits under $10 are not eligible. * New member must make two or more ACH deposits for a total of $2,000.00 to qualify for a $250 bonus. ACH deposits must be completed within day 31 to 90 of account opening to qualify. An account may only qualify once for payout. Upon qualifying, the $250.00 bonus will be deposited by the close of the 91st day, into the member’s Basic, Power of the Dollar®, Power of the Dollar® Plus or Power of the Dollar MAX checking account.      | **Requirements** | **Incentive** |   | --- | --- |   | $10.00 (or more) | $50.00 |   | Two or more ACH Deposit totaling $2,000.00 (or more) | $250.00 | * A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit. This can include salary / payroll, pension, Social Security, person to person (P2P) payments, or other ACH electronic deposit into a Basic, Power of the Dollar®, Power of the Dollar® Plus or Power of the Dollar® MAX checking account. * Mobile check deposits, or deposits made at a branch or ATM do not qualify as an ACH/direct deposit. * Primary account owner must be age 18 to be eligible. * Promotion is for a limited time only and may end at any time without notice. * Rates, fees, and terms applicable can be located on the Firstmark Credit Union Truth-in-Savings Disclosures. The Credit Union may offer other rates for these types of accounts in the future. * A new Basic, Power of the Dollar®, Power of the Dollar® Plus or Power of the Dollar® MAX checking account must remain open throughout the 90-day qualification period to receive up to $300 payout. * $300\* (For APY, Minimum Deposit requirements, and rates, please see Firstmark’s Truth in Savings disclosures here ) * 8/21/2023 – All Firstmark Credit Union memberships closed within the last 90 days will not qualify for this promotion. * Incentives are considered interest and will be reported to the IRS Form 1099-INT (or Form 1042-S if applicable). |
| --- | --- | --- | --- | --- | --- | --- | --- |
* (210) 442-0100
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### Let's Get Started
##### **Needed Items**
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiaries:
* Social Security Number
* Date of Birth
* Current Address
* Phone Number
* Email Address
* Valid ID
* Initial Deposit Amount (ACH or Credit Card)
Choose one of the following:
### Schedule an Appointment
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**Needed Items**
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
* Requested Loan Amount