To login from your mobile device, please use our mobile app. More information can be found here.

Available on the APP Store
Get it on Google Play

Beginning July 6th, our Lubbock Banking Center lobbies will be closed. Our drive thru lanes will remain open with normal business hours or call (855) 382-7827 to schedule an appointment with a Banking Officer. Here you will find current information about Banking Center updates and our safety procedures. Remember, you’re covered.

Account Opening

BOLT Account Opening

Welcome to BOLT Online Account Opening

We love seeing you in person, but understand that coming in to a branch location isn’t always convenient. This powerful, lightning-fast technology lets you open a new account in minutes.

To get started, you will want the following information available for each account owner:

  • Social Security Number
  • Driver License or State ID
  • Home address

Making a deposit is part of the process of opening your new account. If you want to transfer money from an account at another bank, you will also want to have the account information found on your checks, deposit slips or debit/credit card.

Within minutes you’ll be able to:

  • Securely open a new account from a PC or mobile device
  • Order a chip enabled debit card
  • Enroll in eStatements

Once the account opening process is complete, you immediately have the opportunity to:

  • Enroll in DIGITAL BANKING and download the First United Mobile App
  • Use ClickSWITCH to automatically switch recurring payments and direct deposits from your previous account
  • Order checks

Got it. Let’s Open an Account.

Compare Accounts

Below is a list of the acounts available for opening online. Please note that commercial accounts must be opened with the help of a Customer Service Representative.

Spirit Rewards

MINIMUM OPENING DEPOSIT
$50

OVERDRAFT PRIVILEGE LIMIT
$500

ACCOUNT BENEFITS

BaZing Benefits:1

Shopping Dining & Travel Discounts
$10,000 Travel Accidental Death Insurance9
Cell Phone Protection
Identity Theft Aid
Roadside Assistance
Free Branded Checks2
25% Discount on Checks

MAINTENANCE FEE
$7
Can be reduced to $0 with buy-down of $2 for eStatement and $.20 for each debit card transaction.3 THEN, we start crediting you +.10¢ for each debit card swipe!8

Achieve Interest Checking

MINIMUM OPENING DEPOSIT
$1,000

OVERDRAFT PRIVILEGE LIMIT
$700

ACCOUNT BENEFITS

Earns Interest
Free Branded Checks2
25% Discount on Checks

MAINTENANCE FEE
$8
Can be reduced to $0 if daily balance never falls below $1,000. If daily balance falls below $1,000, additional excess debit fee of $.25 per item.

Heritage Senior Checking

MINIMUM OPENING DEPOSIT
$50

OVERDRAFT PRIVILEGE LIMIT
$700

ACCOUNT BENEFITS

Free Branded Checks
25% discount on checks
Free Money Orders, Traveler’s Checks & Cashier’s Checks
ATM Fee Refunds4

MAINTENANCE FEE
$0
If 62 years of age or better.

Emerge Basic Checking

MINIMUM OPENING DEPOSIT
$100

OVERDRAFT PRIVILEGE LIMIT
$300

MAINTENANCE FEE
$0
eStatement required (includes images).
$4 with paper statement.

Foundation Savings

MINIMUM OPENING DEPOSIT
$100

Minimum Daily Balance
$100

MAINTENANCE FEE
$5

Always Free Benefits:

  • Imaged eStatement
  • Online Banking & Bill Pay5
  • Unlimited ATM Use6
  • Mobile Banking7
  • 24/7 Phone Banking
  • ATM/Visa® Debit Card10

I’ve Decided. Let’s Open an Account.

  1. – All BaZing benefits are provided by a third party vendor. All benefits, including insurance coverage, are provided by StrategyCorps in conjunction with Member Headquarters Association of which your financial institution sponsors. This sponsorship results in an association membership being provided to each eligible customer and any co-owner of their account. Benefits of program are subject to change without notice.
  2. – Limited to one (1) box annually.
  3. – Qualified debit card transactions include all PIN and signature-based transactions that post to your account during the current statement cycle. ATM transactions excluded.
  4. – Up to four (4) foreign (non-FUB) ATM fees refunded per statement cycle.
  5. – $.50 per item after 10 items on eMerge Checking.
  6. – Available at all surcharge-free FUB, MoneyPass® and Stripes Convenience Stores ATMs.
  7. – Mobile carrier fees may apply. See a Customer Service Representative for details.
  8. – $.10 account credit for each qualified debit card transaction once maintenance fee reaches $0.
  9. – The investment products offered are not FDIC insured. Products are not deposits, other obligations, not guarantees or insured by the Bank or any Federal Government Agency. Are subject to investment risk, including the possible loss of principle amount invested.
  10. – First issued card is free. $5 replacement fee for lost or replaced cards.

Important Information: To help the government fight the funding of terrorism and money laundering activities, federal law requires all US financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.