We Are Rewarded When We Give.

That’s why we created Spirit Rewards - because we believe in giving the BEST to our customers. Spirit Rewards is more than savings, more than cash back and more than benefits. It’s all those features wrapped up into one account.

  • Minimum Opening Deposit

  • Overdraft Privilege Limit

  • Unlimited Check Writing/Account Privileges1

  • Maintenance Fee


    Can be reduced to $0 with $2 for eStatement and .20 for each additional debit card transaction2

  • Cash Back Rewards

    Earn $.10 cash back for each debit card transaction3

  • Always Free Benefits

    1. Imaged eStatement
    2. Online Banking & Bill Pay
    3. ATM/Visa® EMV (Chip Enabled) Debit Card
    4. Unlimited ATM use5
    5. Mobile Banking6
    6. 24/7 Phone Banking
  • BaZing Benefits4

    360,000 discounts where you live, work or travel
    Cell phone replacement protection
    $10,000 travel accidental death insurance8
    ID theft protection
    Roadside assistance
  • Additional Rewards

    FREE Branded Checks7
    25% Discount on Checks

1 - Debit items consist of all withdrawals by check, transfer of funds or drafts on the account. ATM and In-Bank withdrawals are unlimited.
2 - Maintenance fee will be reduced to $0 with eStatement and 25 qualified debit card transactions, or with a paper statement and 35 qualified debit card transactions.
3 - .10 account credit for each qualified debit card transaction once maintenance fee reaches $0. Qualified debit card transactions include all point-of-sale (POS) debit and signature-based transactions. ATM transactions excluded.
4 - 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 this program are subject to change without notice.
5 - Available at all surcharge-free FUB, MoneyPass and Stripes convenience stores ATMs.
6 - Mobile carrier fees may apply. See a Customer Service Representative for details.
7 - Limited to 1 box annually.
8 -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.

Spirit Rewards by First United Bank Video

We are rewarded when we give.

Our rewards come from giving our customers something greater.

Exclusive Rewards

For new customers only (and for a limited time).

Open these accounts or download our amazing apps and we’ll deposit the following amounts into your Spirit Rewards account:

  • Spirit Rewards Account

    Deals, protection, cash back. What’s not to love?

  • EStatement

    Convenient, safe and FREE.

  • Traditional Savings/HSA/CD/IRA

    You’ll appreciate having a safe, handy place to keep your money, and watch it grow.

  • Safe Deposit Box

    Great rates on spaces to protect your valuable documents or belongings.

  • Mobile Banking Download

    Our App was created to meet the needs of your busy lifestyle and is packed full of features.

  • Spirit Rewards App Download

    This App will tell you when you’re close to a great deal, all 360,000 of them.

  • Total Rewards: $100

Rewards based on opening a new Spirit Rewards Checking Account. Limited time offer. Certain restrictions may apply. Offer not available to existing Spirit Rewards Checking customers, or customers whose accounts have been closed within 90 days. $35 reward for opening new Spirit Rewards Account. $50 minimum opening deposit on the Spirit Rewards account. May earn additional rewards if following conditions are met at new Spirit Rewards Account opening: $20 reward for opening Traditional Savings ($100 minimum opening deposit required); $10 Safe Deposit Box reward for opening safe deposit box; $10 Mobile Banking Download reward for downloading the First United Bank (TX) mobile application; $10 BaZing App Download reward for downloading the BaZing! mobile application; $15 eStatement reward for enrolling in eStatements and completing the enrollment process within 30 days. All rewards, excluding the eStatement reward, will be paid within two business days of Rewards Account opening. The eStatement reward will be paid within ten business days of completing the eStatement enrollment process. Rewards Account must remain open for a minimum of 90 days.

Using Your Debit Card Pays.

  • Only $7/Month Maintenance Fee

  • Minus $2/Month for eStatements

  • Minus 20¢/for Each Debit Card Swipe

  • Means You Can Get To
    $0Maintenance Fee
  • THEN, we start crediting you
    +10¢ for Each Debit Card Swipe!

shop local. save local.

BaZing brings 360,000 discounts where you live, work or travel.
BaZing brings 360,000 discounts where you live, work or travel.


Get discounts that fit each day, each plan, each purchase.


The restaurants and shops you know and love are included in the BaZing savings network, right where you live and across the nation.


Simply show your mobile coupon to the retailer for instant savings.

  • Activate at
  • Download the
    BaZing mobile app
  • Like us on
  • Follow us on Twitter

Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.

triple threat protection.

triple threat protection
  • Cell phone protection

    Just pay your cell phone bill with your BaZing checking account, and you’re covered. If your phone is broken or stolen, we’ll pay to have it replaced, up to $200 per claim (maximum of $400 per year).

  • Identity theft protection

    Payment card protection

    If your payment cards are lost or stolen, you have a personal fraud specialist ready to assist you.

    $2,500 in personal identity protection

    Reimbursement for covered expenses you incur to restore your identity.

    Identity theft aid

    Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.

  • Roadside assistance

    Lock your keys in your car? Car won’t start? Roadside assistance is available 24/7. It’s free to use, $64.95 in covered service charges.

    Cell phone protection and personal identity protection are subject to additional terms and conditions.

Always Free Benefits

Easy to use banking tools & other time saving benefits.
  • Imaged eStatement

    FREE Imaged eStatement

    Digital eStatements are eco-friendly, convenient, encrypted for security and are more secure than paper statments.

  • Online Banking & Bill Pay

    Online Banking & Bill Pay

    1. View account balances & check images
    2. View transaction & statement history
    3. View deposits
    4. Transfer funds & make loan payments
    5. Unlimited bill pay1
    6. Direct deposit
    7. Personal Financial Management
  • ATM/Visa® Debit Card

    ATM/Visa® Debit Card

    Choose from an array of beautifully designed cards featuring the work of West Texas artist, Laura Lewis.

  • Unlimited ATM Use

    Unlimited ATM Use

    At all surcharge-free FUB, MoneyPass and Stripes Convenience Stores ATMs.

  • Mobile Banking

    Mobile Banking

    1. View account balances & check images
    2. Pay bills & transfer funds
    3. Mobile deposit capture2
    4. Picture pay2
    5. Person-to-person payments
    6. Switch debit card on and off
    7. Locate Banking Centers & ATMs
  • 24/7 Phone Banking

    24/7 Phone Banking

    Sometimes, the friendly voice of a helpful West Texan is just what you need to hear.

1 - .50 per item after 10 items on eMerge Checking.
2 - Certain restrictions apply.


To open a Spirit Rewards Account, call (855) 382-7827 (FUB STAR) or visit your local First United Banking Center and bring:

  • Photo ID

    Your government issued photo ID such as a valid driver’s license, state ID or U.S. Military ID

  • Identifying Documents

    Your social security card

  • Opening Deposit

    A minimum $50 opening deposit

Call us at (855) 382-7827 (FUB STAR)