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.


  • Up to $10,000 24-Hour Accidental Death and Dismemberment Insurance
  • FREE Personalized First Option Checks (wallet style, one box per order)
  • FREE Cashiers Checks 

Identity Theft Expense Reimbursement Coverage

Get protection from losses due to the fastest growing crime in America. Highly trained identity theft specialists are available 24/7 to guide you through the process of restoring your profiles and credit records. An ID Theft Recovery Kit with forms and letters can be provided. You receive up to $10,000 coverage for expenses related to recovery of your identity, including lost wages due to required time off, defense costs for certain civil suits, refiling for loans and reimbursement of fees.

Entertainment® SaversGuide®

Save 50% at over 3,000 participating lodging properties from coast to coast. Plus, you’ll find discount offers from theme parks and car rental companies.

Rental Car Discounts

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

Cash Back Member Rewards

Get cash back – simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies. At the end of every quarter, send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back.

VIP Concierge Service

Members have access to 24-hour travel emergency assistance service. The Personal VIP Concierge will handle last-minute or emergency travel and flight changes, lost luggage, passport and travel documents, restaurant, theater and sporting event reservations, and even pre-trip travel advice, plus a multitude of other concierge and emergency travel services.


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

First Fidelity Value Plan

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