Spirit Rewards Checking

We took the spirit of generosity to heart with this rewards checking account. With a list of benefits as big as the West Texas horizon, you’ll appreciate how something as simple as having the right checking account can be so rewarding.

Click here to view the Spirit Rewards Checking video.


Account Details:

  • $50 Minimum Opening Deposit
  • $6 Monthly Maintenance Fee - Can be reduced to $0 with buy-down of $1 for eStatement & $.20 for each debit card transaction.1
  • $500 Overdraft Privilege Limit
  • 1 Box of FUB Branded Checks Annually
  • BaZing Benefits2
    • $10,000 Travel Accidental Death Insurance
    • Cell Phone Protection
    • Identity Theft Aid
    • Shopping, Dining & Travel Discounts
    • Grocery Coupons
    • Pharmacy, Vision & Hearing Savings
    • Roadside Assistance

Always Free Benefits:

  • Imaged eStatement
  • Online Banking & Bill Pay
  • ATM/Visa® Debit Card
  • Unlimited ATM Use3
  • Mobile Banking4
  • 24/7 Phone Banking

1 - Qualified debit card transactions include all Point-of-Sale (POS) transactions (debit and signature based) during the current statement cycle. ATM transactions excluded.
2 - All BaZing benefits are provided by a third party vendor. All benefits, including insurance coverage, are provided by StrategyCorps in conjunction with Member Headquarters Association of which your financial institution sponsors. This sponsorship results in an association membership being provided to each eligible customer and any co-owner of their account. Benefits of this program are subject to change without notice.
3 - Available at all surcharge-free FUB, MoneyPass® and Stripes Convenience Stores ATMs.
4 - Mobile carrier fees may apply. See a Customer Service Representative for details.
Other possible fees.

To open a Spirit Rewards Checking Account, call (855) 382-7827 (FUB STAR) or visit your local First United Banking Center and bring:
  • Your government issued photo ID such as a valid driver’s license, state ID or U.S. Military ID
  • Your social security card
  • A minimum $50 opening deposit