Get your money up to 2 days early.
A checking account built for Baylor students — You First Checking from 1st University Credit Union
Start with $0.
Why students choose You First Checking
💸 Get paid up to 2 days early
🚫 No monthly fee through age 22¹
🟢 Start with $0
💳 Use your debit card → earn $10/month (30 debit purchases per month required)
📱 Apple Pay, Google Pay & Venmo ready
⭐ 4.9 Google rating from 175+ members
1: at age 23, the $6.00 monthly service fee is waived after 20 debit card purchases.
Bank from your phone. Anywhere.
No need to visit a branch — unless you want to.
📱 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
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
It takes just a few minutes
Fill out a short online application
Add money when you’re ready to start using your account
Access your money right away—use digital payments like Venmo while your debit card is on the way
Ready to get paid early?
It’s free to open. No pressure.
Questions?
Stop by. We’re right by Baylor — near the Ferrell Center, so help is always close when you need it. (map)
Give us a call. Or send a text. Our number is (254) 752-2797 and you can use it for both.
Send an email. You can reach us at memberservices@culink.net. Make sure to avoid including sensitive personal info such as your Social Security number.
A checking account built for Baylor students. Get your money up to 2 days early, start with $0, and manage it easily from your phone — right here in Waco.
Helping You Do Life — one real-life moment at a time.