Checking Accounts
Simple accounts that help you save.
Convenience, security, and savings
Our Basic and Edge Pay Checking are convenient and secure like your standard checking account, plus added features that can help you save money every time you use your debit card.
Features
Convenient
Use online or mobile banking to do almost anything you can in a branch. Plus, we’ve partnered with Zelle® for a fast and easy way to send and receive money with people you know.
Automatic Savings
With our Edge Pay account and ChangeSaver program, you automatically send money to savings every time you use your debit card.
Secure
Visa® Secure keeps you protected for online and in-person transactions. Plus, you can use online banking to report a lost or stolen card, and set alerts and controls.
Accessible
Use our CO-OP & ATM Locator to avoid fees at over 30,000 ATMs nationwide. Plus, use your debit card anywhere the Visa logo is displayed to make purchases, access ATMs around the world, or get cash back in-store.
Current Rates
|
Type |
Minimum Opening Deposit |
APY |
|---|---|---|
| Rates effective 10/07/2024 | ||
|
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. |
||
|
Type Basic Checking |
Minimum Opening Deposit $25 |
APY None |
|
Type Edge Pay Checking |
Minimum Opening Deposit $25 |
APY None |
Compare your options
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Check writing
Check writing
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Debit card
Debit card
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Overdraft fees
Overdraft fees
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Free ATM access
Free ATM access
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Overdraft line of credit
Overdraft line of credit
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Round-up feature in savings
Round-up feature in savings
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Bonus match into savings
Bonus match into savings
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Cell phone protection
Cell phone protection
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Identity theft/credit monitoring
Identity theft/credit monitoring
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Monthly fee
Monthly fee
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Paper statement
Paper statement
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ATM rebates
ATM rebates
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Unlimited check writing
Unlimited check writing
Basic
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Check writing
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Debit card
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Overdraft fees
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Free ATM access
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Overdraft line of credit
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Round-up feature in savings
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Bonus match into savings
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Cell phone protection
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Identity theft/credit monitoring
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Monthly fee
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Paper statement
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ATM rebates
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Unlimited check writing
Edge Pay
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Check writing
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Debit card
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Overdraft fees
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Free ATM access
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Overdraft line of credit
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Round-up feature in savings
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Bonus match into savings
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Cell phone protection
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Identity theft/credit monitoring
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Monthly fee
Monthly subscription fee – waived first month and can be reduced to $0 thereafter
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Paper statement
No – must opt in to eStatements to avoid paper statement fee
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ATM rebates
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Unlimited check writing
Open an account
Get started onlineEdge Pay Checking
Great for young teens, students, and digital wallet users.
Edge Pay is perfect if you use a debit card for everyday purchases, want to automatically save money while you spend, prefer mobile banking, and want help staying on budget. Here’s what you get:
- No overdraft fees
- Paperless account for the environment
- Automatic round-up feature into your savings
- Automatic bonus match based on monthly round-up
- Up to $400 in phone replacement or repair costs
- ID theft monitoring and resolution
- Credit score access and monitoring
- Health savings on prescriptions, vision, and dental costs
- Monthly subscription – waived first month
- Debit card and free ATM access
Courtesy Pay
Cover transactions when your checking account balance is low.
For a fee of $14, Courtesy Pay1 may be used to help pay for:
- Paper checks
- Electronic (ACH) transactions
- Bill Pay items from Digital Banking
- Everyday debit card transactions (opt-in required)
Round-Up Savings
Enroll in our ChangeSaver program to save money every time you make a purchase with your debit card. We’ll automatically round up to the nearest dollar and transfer those funds to the savings account of your choice. Get in touch or visit your nearest branch to sign up today.
Open a Checking Account
Let’s get you started with a checking account that’s easy to access, helps you save money automatically, and spots you when you’re short on cash.
Disclosures
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We reserve the right to pay or not pay any item at our discretion when there are insufficient available funds in your account to cover the transaction. If we pay a check or item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately (within 24 hours of notification or less). We may consider your relationship with the Credit Union, account history, financial behavior, and/or other factors when determining whether to pay an item (overdraft) or return the item for non-sufficient funds (NSF).
Accounts of persons under the age of 18 are not eligible for Courtesy Pay services. Automatic coverage applies to checks, Bill Pay, and ACH transactions, but opt-in is required for everyday debit card transactions. Courtesy Pay does not cover ATM or non-checking account transactions.
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