FiCare checking accounts are FREE! That means there is no monthly maintenance fee and no direct deposit or minimum balance requirements.

Yes. Your savings account is automatically set up to transfer money to your checking to cover an overdraft. You can choose additional trailers to provide overdraft protection for the checking. FiCare also offers Overdraft Protection Courtesy Pay. When you opt in, you allow FiCare to pay items for which you have insufficient funds. It will take your account into the negative up to your approved limit and charge a $35 Overdraft Fee per item. Download the Overdraft Protection Opt-In Form to sign up for this coverage.

The terms “debit card” and “check card” mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can also withdraw money from your savings account. It can be used to make purchases at any retail establishment that displays the VISA logo.

Providing the funds are in your account, you may use your debit card for purchases up to $2,500 per day or up to 15 transactions. You can withdrawal up to $1,000 per day at an ATM. If you use person-to-person payment options like Cash App or Zelle, the limit is $2,500 per day or three transactions.

There is no charge for making a purchase with your VISA debit card.