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Checking Accounts

Checking Accounts

You’re looking to make wise financial decisions on how you save and spend your hard-earned money. Our straightforward checking account options can meet you where you’re at, with the cash management tools you need to help you reach your goals. All our accounts include:

Unlimited fee-free transactions at 30,000+ CO-OP ATMs

Get paid up to 2 days early with direct deposit1

On-the-go account access with Online & Mobile Banking, Mobile Deposit and eStatements

Access your Credit Score for free and create personalized credit goals

Card Management and eAlerts: Prevent fraud and be in the know about account activity

Move Money with Ease: Choose from Zelle®2, Bill Pay or external transfers

Better Than Free Checking with eStatements

Better Than Free Checking with eStatements is our most popular spending account, empowering our members to manage their money confidently without unexpected fees. Benefits include:

  • $0 minimum to open account
  • No minimum balance requirements
  • No monthly service charge with eStatements3 or for members 60+
  • Two (2) automatic ATM surcharge rebates per month
  • Free First U. S. Visa® Debit Card
  • Earn 1.00% APY on first $500 in balances4

Dividend Checking

Dividend Checking is an account tailored for members with higher balances, with tiered rates and value-added benefits to help you make the most of your money every day.

  • $100 minimum to open account
  • $10 monthly fee if minimum average daily balance of $2,500 is not maintained
  • Earn dividends with tiered rates on balances $2,500 or more
  • Four (4) automatic ATM surcharge rebates per month
  • One (1) Free Box First U.S. Logo Checks at account opening
  • Free First U.S. Visa® Debit Card

Essentials Checking

Essentials Checking is for individuals wanting to avoid potential money hassles from overdraft fees or who are looking for a second chance checking. This account is Bank On Certified by the Cities for Financial Empowerment to encourage the widespread availability of safe, low-cost transactional products. Benefits include:

  • $0 minimum to open account
  • No Minimum Balance Requirement
  • $5 monthly fee
  • No overdraft fees
  • eStatements required
  • Check transactions prohibited
  • Free First U.S. Visa® Debit Card

Youth Checking

Learning the basics of managing money is an important life skill to establish. Youth Checking offers members ages 13-17 a safe, stress-free way to grow confidence in financial decision making. Benefits include:

  • $0 minimum to open account
  • No minimum balance requirements
  • A parent or legal guardian 18+ must be a joint owner
  • No monthly service charge
  • Free First U. S. Visa® Debit Card with parental controls – set ATM withdrawal and purchase limits
  1. Early access to your direct deposit of funds is not guaranteed and is dependent on individual’s payroll. We generally make direct deposits available up to 2 days earlier than the payment date specified.
  2. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must be 18 years or older
  3. Paper statements available for $3 month. Please see Pricing Schedule for more details.
  4. APY = Annual Percentage Yield. Must have a direct deposit of $500 or more to qualify. Visit Checking Rates for more details.