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Checking Account

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You need a checking account so you can pay for things—to pay the bills, to pay the rent, to pay for groceries—we don't think you should have to pay for your checking too.

Both of our checking accounts are FREE – no fees with the enrollment of online banking and estatements! Plus our Rewards Checking pays you monthly dividends – how great is that?
  Free Checking Rewards Checking
Initial Deposit Just $5 Just $5
Earns dividends No 1.49% APY* on balances up to $15,000 when qualified*
Minimum balance None None
Monthly fee No fee when enrolled in estatements No fee when enrolled in estatements
VISA® debit card Free Free
ATM access Over 75 fee-free local ATMs Over 75 fee-free local ATMs
ATM fee refunds No Up to $25 per month when qualified*
Checks Unlimited check writing Unlimited check writing
Online banking Free Free
Mobile banking with mobile deposit Free Free
Direct deposit Free Free
Bill pay Free (when used for at least one bill per month) Free (when used for at least one bill per month)
24-hour Telephone Teller Free Free
Overdraft protection Available Available
Courtesy pay Available* Available*
Open Account Open Account
Not a member? Join us Not a member? Join us

Rewards Checking Qualifications

In order to receive the rewards rate and ATM fee refunds, simply do the following each monthly qualification cycle:
  • Have 12 debit card purchases post and settle each cycle
  • Have at least one recurring direct deposit or automatic payment post and clear each cycle (using our routing number and your account number, not your debit card number)
  • Receive free, paperless e-statements

Even if you don't qualify, you will still earn the basic rate and get unlimited free checking. And you can get the rewards back the very next cycle you qualify!

Additional Checking Services

Set up direct deposit
Switch kit (let us help you close accounts at other financial institutions)
Reorder debit/credit card
Report lost/stolen card
Reorder checks
Request stop payment
Telephone Teller
Safe Deposit Boxes

*Annual Percentage Yield (APY). Rates as of 9/1/2016. All qualifications must be met per monthly qualification cycle to receive the rewards for that cycle. Rate tiers are as follows: 1.49% APY applies to balances between $0.01 - $15,000 and 0.15% APY applies to balances over $15,000 as long as the qualifications are met each monthly qualification cycle. If they are not met, interest will be paid at the base rate of 0.05% APY and the ATM fee refunds will not be reimbursed for that cycle. All balances will earn 1.49% APY to 0.15% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. All qualification transactions must be posted and settled during the qualification cycle. Transactions could take more than 3 business days to post and clear an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal and are processed using our routing number and your account number. Limit one account per social security number; personal accounts only. Minimum to open account is $5. All ATM fees generated by Automated Teller Machines located within the United States will be refunded (up to $25) when the qualifications are met each cycle. Courtesy Pay is available after 90 days, if account is in good standing and if Opt-in form has been signed. Mobile banking is free; data and other wireless carrier charges may apply.

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