Convenience Services

Checking (Share Draft) Account

Many banks charge $5 or more just to use your checking account, or they offer a free checking account only if you also agree to a bundle of services you may not want. At 1st City Credit Union, we offer a checking plan that is perfect for the economy-minded member!
Check out these great benefits:

• No monthly service charge • Unlimited check writing
• No minimum balance requirement • Monthly statements
• Free Visa ® Debit Card  

Free Visa Debit Card

With your 1st City Credit Union Visa Debit Card, you have access to your savings and checking accounts for withdrawals or balance inquiries whenever and wherever you need it. It is also a fast, convenient and safe way to purchase what you want, when and where you want it. Just present your card at the time of purchase, and the amount will be automatically deducted from your checking account.


Protect your accounts and the environment with e-statements. When you sign up to receive free e-statements from 1st City Credit Union, you’ll be able to review your statements through our secure website, and even save them to your personal computer. By keeping this information out of your mailbox and out of your trash, you also keep it out of the hands of potential criminals. You’ll protect your identity along with the environment! Simply contact us to enroll.

Direct Deposit

With Direct Deposit, your paycheck, Social Security or other government check is automatically deposited in your 1st City accounts. There is no need to make special trips to the credit union each month to make your deposits. And, there is no need to worry about lost or stolen checks!

Free Online Banking

Our Online Banking allows members to visit us from anywhere with an Internet connection. With Online Banking, you have access to:

  • Account balances
  • Transaction records
  • Account transfers
  • Cleared checks
  • And much more!

Free Online Bill Pay*

With Online Bill Pay, your bills are paid directly from your checking account, in the amount you authorize. Plus, you’ll enjoy the advantages of secure bill payment, including:

  • Viewing, tracking and paying your bills at once
  • Controlling which bills get paid and when
  • Scheduling one-time or recurring payments
  • Setting up bill pay reminders
  • And much more!

* Online Bill Pay is free with Direct Deposit and E-Statements. Otherwise, it is $5.95 a month for unlimited bills.

2nd Chance Checking Accounts

With a new 2nd Chance checking account, you can establish a successful banking relationship. Even if banks have turned you down or you have past credit problems, you can still enjoy the convenience and freedom of a checking account with 1st City.*Contact us at (314) 353-6676 to learn more today!

*Individuals with a record of fraud on the Qualifile report are not eligible. Direct deposit of your paycheck is required. Maximum holds as allowed by law will be placed on all checks (other than verifiable payroll checks or other guaranteed fund checks). Debit/ATM card access does not apply to 2nd Chance checking accounts. Other terms and conditions will be disclosed at the time you open the account.

Audio Response System

Don’t have time to make it to the credit union? We provide 24/7 access anytime you need it. Perform account transactions from any touch-tone telephone by dialing toll-free
(866) 860-5704 access code 251. It’s just like having one of our member service representatives with you at all ti800mes – your home, the office, or even your car! Easy-to-understand instructions and menu options enable you to take care of credit union business without a special trip to the credit union!

Visa Gift Cards
With a Visa Gift Card, you’ll always be able to get the special people in your life a gift they’ll love. They’re accepted at retailers and merchants worldwide, so recipients can use their gift card virtually anywhere! Purchase Visa Gift Cards at the credit union during normal business hours, and take care of your shopping with just one stop.

Other Services

  • Cashiers Checks
  • Notary Service
  • Wire Transfer


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5011 Hampton Ave., St. Louis, MO 63109 •  Phone (314) 353-6676 • Audio Response (800) 860-5704 access code: 251

Federally insured by
the NCUA

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