Checking Accounts
Spending accounts that help you save.
Convenience, security, and savings
Our checking accounts are convenient and secure, with the added bonus (literally) of helping you save. Compare your options and find the right checking account for you.
Simply Checking
When all you need is a simple spending account for your transactions, Simply Checking skips the frills so you can manage your money with ease. Write checks, swipe your debit card, and manage your money from anywhere with our mobile banking app.
Checking Plus
Get more out of your checking account with 4.00% APY on your first $15,000. Set up a monthly direct deposit of at least $1,000, use your debit card for 15 purchases a month, and sign up for monthly eStatements to make the most of your money.
Edge Pay
Do no overdraft fees, automatic round-up savings, and built-in ID theft and credit monitoring sound too good to be true? Not with our Edge Pay account. It’s a great starter account to help teens and students get their financial footing.
Rates
|
Type |
Minimum Opening Deposit |
Tier |
APY |
|---|---|---|---|
| Rates effective 07/14/2025 | |||
|
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. No minimum balance required. Rates may change after account opening. |
|||
|
Type Simply Checking |
Minimum Opening Deposit $25 |
Tier N/A |
APY None |
|
Type Checking Plus1 |
Minimum Opening Deposit $25 |
Tier $0.00 – $15,000.00 |
APY |
|
Type |
Minimum Opening Deposit |
Tier $15,000.01 and above |
APY 4.00% to .24% |
|
Type Edge Pay Checking |
Minimum Opening Deposit $25 |
Tier N/A |
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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No overdraft fees
No 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
Simply Checking
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Check writing
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Debit card
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No 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
Checking Plus
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Check writing
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Debit card
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No 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
Must enroll in eStatements to earn interest
Edge Pay
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Check writing
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Debit card
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No 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 (first month waived and can be reduced to $0 thereafter)
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Paper statement
Must opt into eStatements to avoid paper statement fee
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
Who knew using your debit card could be a boost to your savings? Swipe or tap to get automatic round-up savings with Edge Pay or our ChangeSaver program, or 4.00% APY with our Checking Plus account.
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.
Checking Plus
Great for those who want to get more out of their checking.
Checking Plus is great if you use your debit card frequently and are looking to earn a little extra on the money in your checking account.
You can earn 4.00% APY on the first $15,000.00 in your account by meeting three simple requirements each month:
- You have a direct deposit of at least $1,000.
- You use your debit card for at least 15 purchases (of any amount).
- You’re signed up for eStatements.
Edge 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 Pay2 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
- 1.
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To earn dividends with Checking Plus, you must have direct deposit of $1,000 or more, 15 debit card transactions each month, and been enrolled in eStatements for the dividend period. If the account does not meet these requirements during the dividend period, the account will not earn dividends for that period and a new period will start over the following month.
Checking Plus accounts are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier.
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- 2.
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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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