What is Better Than Free Checking?

When choosing a checking account, most people look for the basics: easy access to their money, convenient spending tools, and minimal fees. While many financial institutions advertise "free checking," some accounts go a step further by offering added benefits that help you get more value from your everyday banking.

Better Than Free Checking is a checking account designed to help members manage their money without worrying about common banking fees while also providing valuable perks that aren't always included with traditional checking accounts.

Instead of simply eliminating monthly maintenance fees, Better Than Free Checking rewards members with features that can help them save money and even earn interest on their balances.

How is it Different from Traditional Free Checking?

At first glance, Better Than Free Checking may sound similar to a traditional free checking account. Both are designed to provide convenient access to your money for everyday spending, bill payments, and direct deposits.

The difference is that traditional free checking accounts often focus solely on eliminating monthly maintenance fees. Better Than Free Checking goes a step further by combining fee-free banking with additional features that help members get more value from their account.

Rather than simply serving as a place to store and spend money, Better Than Free Checking is designed to reward everyday banking with added conveniences and opportunities to earn more from your account. For members who want more than the basics from their checking account, it offers benefits that extend beyond what many standard free checking accounts provide.

Benefits of Better Than Free Checking

Avoid Unnecessary Fees: Monthly maintenance fees and balance requirements can make it harder to manage your finances. Better Than Free Checking removes these common obstacles, allowing you to use your account without worrying about maintaining a specific balance or paying monthly service charges when enrolled in eStatements*.

Save Money at ATMs: Using an out-of-network ATM often means paying additional fees. Better Than Free Checking helps offset these costs by providing two automatic ATM surcharge rebates each month, helping you access your money more conveniently.

Earn Interest on Your Balance: Many checking accounts don't offer any earnings on deposited funds. Better Than Free Checking allows members to earn 1.00% APY on the first $500 in balances**, helping your money work a little harder while remaining readily available.

Convenient Everyday Spending: Whether you're shopping online, paying bills, or making purchases in-store, the free Visa® Debit Card provides easy access to your funds whenever you need them.

Simplify Banking with eStatements: Enrolling in eStatements not only helps reduce paper clutter but also allows members to avoid monthly service charges. Digital statements provide secure, convenient access to account information anytime.

Who Is Better Than Free Checking Best For?

Better Than Free Checking can be a great option for:

• Individuals looking to avoid monthly account fees
• Members who want flexibility without minimum balance requirements
• Anyone who frequently uses ATMs
• Those seeking a checking account that offers more value than a standard free checking account

Experience More Than Free Checking

The right checking account should make managing your money easier while helping you keep more of what you've earned. Better Than Free Checking combines fee-free banking with valuable benefits like ATM rebates, interest earnings, and convenient account access, making it an excellent choice for everyday spending and money management.

If you're looking for a checking account that offers more than the basics, Better Than Free Checking may be the perfect fit.

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*Paper statements available for $3 month. Please see Pricing Schedule for more details.

**APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Checking Rates for more details.