Checking

You like options and you want quick access to your cash. Choose one of our checking accounts to suit you! With free bill pay, a free Visa check card and the ability to transfer funds between financial institutions online, our checking accounts make money management easy.

All of our checking accounts include:

Free online banking
Free bill pay
- Informational video
- Quick Start Guide
Transfers to and from other financial institutions
Direct deposit
Free Visa check card with personalized PIN and instant issue option at our branches
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- View online video
24-hour account access through BranchLine, ExpressLine or ATM
View your cleared checks online through BranchLine
Optional overdraft protection and courtesy pay
Free, unlimited ATM withdrawals from any proprietary ATM
25,000 surcharge-free ATMs
Deposits can be made at designated Bank of the West and CO-OP Deposit Network ATMs
A variety of check designs to choose from
Reorder checks online

In addition to these features, our three checking account options include:

FirstStep Checking:

Specially designed for members 23 and under
Free ATM transactions
Free overdraft protection - link your Starter Visa or savings account to your FirstStep Checking Account so you never bounce a check
Free box of checks

Direct Deposit Checking:

Free ATM transactions - we reimburse ATM fees up to $3 per transaction and $12 per month
No monthly service fee
No minimum balance requirement
Courtesy pay for eligible members
Direct deposit required

Dividend Checking:

Competitive dividends paid on balances of $500 or more
No monthly fee on daily balances of $500 or more
(Low monthly fee on daily balances below $500)
Dividends compounded and paid monthly
Courtesy pay for eligible members
$25 minimum opening deposit

Open a checking account online!

For more information, please call a member service representative at (888) 858-6878, ext. 6231.

Additional Information

Check Card Convenience
Visa check card offers the convenience of a credit card, but simply deducts the amount from your checking account which means you never pay finance charges. It's safer than cash and can be used at retailers who don't accept checks or ATM cards. Our check card also doubles as your ATM card allowing you access to thousands of ATMs.

When you sign for your check card purchases, you are automatically covered by Visa's Zero Liability Coverage. That means, you pay nothing for fraudulent activity. Your signature also preserves your ability to dispute a charge, if necessary.

Check Card Security
As part of our state of the art fraud detection system, an alert is generated when a transaction on your debit or credit card appears to fall outside of your normal spending pattern. If you are traveling out of state, out of the country or making a large purchase, please contact the Credit Union prior to your travel or purchase transaction, in order to bypass an alert on your account.

The security alert triggers a call from a fraud analyst or automated voice system to the phone number on record with the Credit Union asking you to verify whether you authorized this transaction. By confirming the last four digits of your social security number and the transaction, you may continue to use your debit or credit card. If the fraud analyst cannot make immediate contact with you, the card may be blocked from future transactions until you can be reached for confirmation. It is important that you provide us your most current phone numbers including cell phone numbers.

Important after hours numbers:

Report a lost or stolen card: (800) 543-5073
Declined transactions with available funds using your PIN: (800) 793-5979; from outside U.S. call collect (651) 361-2021
Declined transactions with available funds using your signature: (800) 890-5097; from outside the U.S. call collect (727) 556-9000

Final checking account and Visa check card establishment is subject to approval through ChexSystems. Direct deposit checking: Free checking requires direct deposit be established within 60 days of account opening or a $5 monthly fee applies.

ATM fee reimbursement available on domestic ATMs only and limited to $3 per transaction and $12 per month. Twelve ATM withdrawals free per month; $1 per withdrawal after that; a fee may be imposed by the ATM owner.

Bill pay requires at least one bill paid per month or a $5.95 fee applies. Bill pay informational video requires Adobe Flash Player to view, visit www.adobe.com for details.

Check 21
Download our brochure explaining the Check Clearing for the 21st Century Act "Check 21" and how it affects you.

This informational brochure requires Adobe Acrobat Reader. Just click the "Get Acrobat Reader" on the left to download Adobe Acrobat Reader or if you already have the Adobe Acrobat Reader plug-in, just click on the form you want to view.