FREE Checking Account

No minimum balance required

Unlike other costly checking accounts offered by many financial institutions, Friendly Federal Credit Union offers an absolutely FREE checking account with no hidden fees or restrictions.

You can use the equity in your home to help you pay for home improvements, cover educational costs, consolidate your debt, and more.


Your home is probably the largest purchase you'll make in your lifetime, and you've worked hard to gain equity in that investment. Put your equity to work for you to fund that home improvement project you've been dreaming of, consolidate and pay off bills, pay for larger purchases like college or a wedding - or just have access to money for emergencies. Our flexible Home Equity loan options give you the ability to choose the funds you need, when you need them. Plus, with No Closing Costs on most equity loan options, we make it easy to get fast access to that cash!

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FREE Checking Account

No minimum balance required

Unlike other costly checking accounts offered by many financial institutions, Friendly Federal Credit Union offers an absolutely FREE checking account with no hidden fees or restrictions.

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FREE Checking Account

No minimum balance required

Unlike other costly checking accounts offered by many financial institutions, Friendly Federal Credit Union offers an absolutely FREE checking account with no hidden fees or restrictions.

No Monthly Service Fee


Make the switch to a Friendly FCU Free checking account and stop paying those annoying monthly fees.

Your Money Is Safe


When you open your FREE checking account with us, your money is Federally insured by the NCUA.

FFCU Is Well Established


Friendly FCU was established in 1955 and has been serving our members for over 65 years.

50 Free Checks


As a special introductory bonus, we give you 50 Free checks when you open an account.

Whether you need to deposit a check from home, make an online bill payment, or instantly transfer funds, you can manage your accounts from wherever you are at any time.

When you switch to a Friendly FCU free checking account, you're making a wise decision and enjoying the benefits of this low-cost financial service.


Just look at these cost saving features:


  • NO monthly service charge


  • NO minimum balance required


  • Instant record of all transactions. Each time you write a share draft, you get an exact duplicate on the attached carbonless duplicate copy


  • Monthly statements


  • Free debit card


  • 50 FREE checks when you open your account


Whether you need to deposit a check from home, make an online bill payment, or instantly transfer funds, you can manage your accounts from wherever you are at any time.

When you switch to a Friendly FCU free checking account, you're making a wise decision and enjoying the benefits of this low-cost financial service.


Just look at these cost saving features:

  • NO monthly service charge


  • NO minimum balance required


  • Instant record of all transactions. Each time you write a share draft, you get an exact duplicate on the attached carbonless duplicate copy


  • Monthly statements


  • Free debit card



  • 50 FREE checks when you open your account


Frequently Asked Questions

How can I open a FREE checking account at Friendly FCU?

Getting started with your FFCU checking account couldn't be easier! You can open your free checking account by calling our Aliquippa Office at 724-375-0488 or the Baden Branch at 724-869-3500. You can also stop by either convenient location if you prefer. Either way, please have your Social Security Number and U.S. mailing address handy. If there will be other owners on your account, they will need to provide the same information. You'll also be asked to provide identification in accordance with Federal regulations so that we can verify your identity.

Does FFCU have FREE online banking options?

Yes! We have everything you need to manage your Friendly Federal Credit Union accounts from anywhere, at any time. Your options include:

  • Free online banking: There's no need to drive to the branch when you can simply use your mobile device or computer to access your accounts. You can keep track of your account balances, monitor activity on your accounts, order checks, and much more.
  • Online Bill Payer: You can make a payment to an individual or a business from the funds in your FFCU free checking account. Schedule recurring payments, make a one-time payment, and monitor all of your bill-paying activities in one place.
  • Online statements: FFCU's e-statements make viewing current and past account statements easier than ever. Secure and convenient, e-statements make documentation for recordkeeping, budgeting, or loan applications instantly accessible. If there's ever any suspicious activity on your account, you'll receive notification via mail or email.

What is the minimum deposit to open a FFCU FREE checking account?

Once you open your account with a $25.00 minimum deposit, you'll enjoy true free checking. There are no hidden fees, no monthly minimum balance requirements, no transaction fees, no monthly fees, and no direct deposit requirement.

Many banks offer free checking - why should I choose FFCU?

From free online checking accounts to online-only banks, there's no question that you have more choices than ever when it comes to where to bank, but all financial institutions are not equal. One of the most important advantages of choosing a credit union is that it is owned by its members. Everyone who banks at Friendly Federal Credit Union automatically becomes a member when they open a Share Savings account, which is our primary membership account. And what does membership really mean? It means that instead of having a group of executives making decisions about our financial institutions, we have a board of directors. Each board member is elected and each is an FFCU member, so you know that they'll make decisions with your interests in mind.


More reasons to consider banking with FFCU include the access you'll have to great interest rates, whether you're borrowing to buy a new home or vehicle, or saving with an IRA or CD. You'll also enjoy checking accounts with no fees that are easily accessed no matter where you are.


Lastly, you'll also have peace of mind: Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).

What is the best free checking account?

The best free checking account is the one that meets all of your needs for security and convenience, and that offers the features that are most important to you. At Friendly Federal Credit Union, you can have it all:

  • Security: Just as the FDIC protects deposits in traditional banks, your deposits (up to $250,000) are insured by the National Credit Union Administration (NCUA). FFCU also protects your personal information from unauthorized use and access.
  • Convenience: If you like to do your banking in person, Friendly Federal Credit Union has an office in Aliquippa as well as Baden. If you'd rather take care of your banking when it's most convenient for your schedule, we have Online Banking, Online Bill Pay, and more.
  • Benefits: No matter what type of checking account you open with Friendly Federal Credit Union, you'll enjoy a free Visa® card, free online statements, free direct deposit, free ATM transactions at our Aliquippa location, and so much more.