How to Open a Checking Account in Modesto:
A Step-by-Step Guide
A Smarter Way to Manage Your Money—Rooted in Modesto
Managing your everyday finances should be simple, and with the Simply Free Checking Account at Modesto’s First FCU, it is.
No monthly fees. No hidden charges. Just straightforward tools that help you stay on top of your money, backed by the service and values of your hometown credit union.
Follow our step-by-step guide below and see how easy it is to get started with better banking, right here in Modesto!
How to Open a Checking Account at Modesto’s First FCU
Opening your Simply Free Checking Account at Modesto’s First FCU is easier than you think—and a whole lot more rewarding. Whether you're switching from a big bank or opening your first account, we’ll help you get set up in just a few simple steps.
Step 1: Make Sure You’re Eligible to Join
We’re proud to serve our neighbors in Modesto and across Stanislaus County. You can join if you live, work, worship, volunteer, or attend school in the county. Family ties count too! Click here to check out our membership eligibility!
Step 2: Choose the Right Checking Account for You
We offer a Simply Free Checking Account built for everyday life. No monthly maintenance fees, easy access to your funds, and tools that simplify managing your money. Our members love the Simply Free Checking Account for a reason—it works. Click here to explore all Simply Free Checking Account benefits!
Step 3: Gather a Few Essentials
To open your account, have these handy:
A valid photo ID
Your Social Security number
Proof of your current address
Already a member? Great—you're halfway there.
Step 4: Apply the Way It Works Best for You
Everyone handles life a little differently, so we make sure opening your account fits your style.
Prefer a face-to-face connection? Stop by our Modesto branch and chat with a friendly team member.
Want something quicker while you’re out and about? Give us a call and open your account over the phone.
However you choose to join, we’ll keep the process simple, supportive, and built around you.
Step 5: Activate Your Account & Enjoy All the Perks
Once your Simply Free Checking Account is open, you’re all set to start using it your way. Your debit card will be on the way, digital banking will be at your fingertips, and managing everyday spending just got a whole lot easier.
Why Modesto Chooses Our Simply Free Checking
At Modesto’s First FCU, our Simply Free Checking Account does what a Checking Account should do: hold your money without charging you to access it.
No monthly maintenance fees means more of your money stays with you
Enjoy a debit card, online banking, and local support from real people
Skip the fine print and corporate layers—everything here is straightforward
It’s free, it’s reliable, and it’s made for life in Modesto
This is checking that puts people first—and always will.
Driven by People, Not Profits
When you open a Simply Free Checking Account, you’re not just choosing free of charge convenience; you’re joining a credit union that exists solely to serve the Modesto community and its members.
This isn’t just where we do business—it’s where we live, raise families, and build futures together.
Join Modesto’s First FCU and experience community-first banking with a purpose.
Questions? Let’s Talk
Not sure how to get started? Want help walking through the steps? Our team is just a message away. We’ll meet you where you’re at and make sure your account setup is easy, clear, and tailored to your goals.
Contact us with any questions or visit us to get started!
Open Your Simply Free Checking Account in Modesto Today
Ready for a Checking Account that makes life easier, not more complicated? Open your Simply Free Checking Account today and experience local service, digital convenience, and zero monthly fees—all in one place.