Get your money up to 2 days early.
A checking account built for Baylor students — You First Checking from 1st University Credit Union
No minimum balance. No monthly fee (through age 23).
Why students choose You First Checking
30 debit purchases per month required to earn $10 monthly reward.
Why students choose You First Checking
💸 Get paid up to 2 days early
🚫 No monthly fee (through age 23)
🟢 Start with $0
💳 Use your debit card → earn $10/month
30 debit purchases/month required
📱 Apple Pay, Google Pay & Venmo ready
Local, simple, and built around you
No hidden fees. Ever.
Right by Baylor — so help is always close when you need it
Real people if you need help (not a chatbot maze)
Federally insured by NCUA
Bank from your phone. Anywhere.
📱 Check your balance, move money, and pay bills anytime
📸 Deposit checks with a quick photo
🏧 Access thousands of ATMs nationwide
🌎 Handle your money wherever you are — on or off campus
No need to visit a branch - unless you want to.
It takes about 5 minutes
Fill out a short online application
Make your first deposit
Access your money right away—use digital payments like Venmo while your debit card is on the way.