First Option is an added value option on any personal checking or savings account. It allows you to upgrade any account to take advantage of the many VIP discounts and benefits.

If this is your first time logging in since 4/6/21, you will need to re-register by clicking SIGN UP NOW. Please check your email for the new access code. Contact us if you have any issues registering or logging in. 


  • FREE Personalized First Option Checks (wallet style, one box per order)
  • FREE Cashiers Checks 

Cellular Telephone Protection9

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve-month period. Covers up to four phones on a cellular telephone [or cell phone] bill. (Cellular telephone bill must be paid using eligible account)

Passenger Transportation Coverage9

Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. (Travel costs for rideshare must be paid for through the First Option Checking Account).

Roadside Assistance Service9

24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of 2 events per year.

Accidental Death & Dismemberment Isurance9

Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

Identity Theft Expense Reimbursement Coverage9

Receive up to $10,000 to help pay expenses, clear your name, and restore your identity, should you become the victim of identity fraud.

Entertainment® Saversguide®

The SaversGuide® Directory lists thousands of hotels and restaurants where you can obtain great discounts just by showing your SaversGuide® Membership Card. The directory also contains discounts to movie theaters and money-saving coupons from top national merchants across the country. Members can use their SaversGuide® Directory or redeem and print coupons online or access discounts from their mobile device.

Rental Car Discounts

Receive auto rental discounts at Avis, Alamo, Hertz, National and Budget. Members are provided special discount codes and toll-free telephone access for priority service.

Cash Back Member Rewards

You can earn 10% cash back on your everyday purchases - such as groceries, household supplies, entertainment.  Save receipts and submit quarterly for cash back rewards.  You are eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40/annually.  (registration/activation required; additional terms and conditions may apply)

VIP Concierge Service

Access to “911” travel emergency assistance service. Relieve the hassle and receive personal assistance with last-minute or emergency travel and flight changes, lost luggage/passport/travel documents, restaurant/theatre/sporting event reservations and even pre-trip travel advice and roadside assistance, plus a multitude of other concierge and emergency travel services.


  • Retail Savings
  • Travel Rewards
  • Key Tag Return
  • Assets Organized
  • Vitamins & Nutritional Supplement
  • Health Discount Savings
  • Child ID Kit
  • Theme Park & Movie Tickets
  • Cash Back Member Rewards
  • Your getAWAY!
  • Debit & Credit Card Registration
  • Flowers, Gifts & Greenery
  • Paintless Dent Repair

First Fidelity Value Plan Pricing

$10.00 per month
$12.00 per month with Guardian ID Protect
*$30.00 minimum charge if closed with in the first 90 days

9. Special Program Notes for First Option: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.