Checking Accounts

We offer four of the best checking accounts in the market. Whether you like free checks, ATM fee reimbursement or earning dividends, we have a checking account for you. Accessing and conducting transactions on your checking account is made easy with our participation in the shared branch network.

Simply select the personalized checking account below that meets your needs. Our friendly member service representatives are also available to assist you by Live Chat or phone at (888) 858-6878.

Relationship Checking Free Checking FirstStep Checking Plu$ Checking
Perfect For You have direct deposit or $25,000 in combined deposit and loan balances with us. You don’t have access to direct deposit. You’re 23 or younger and are just getting started managing your personal finances. You want your money to earn money and can maintain a $7,500 average monthly balance.
Minimum balance requirement $0 $0 $0 $7,500
Monthly service fee None if requirements are met; otherwise $10 None None None if requirements are met; otherwise $10
Earns interest No No No Yes
Online banking with bill pay Free Free Free Free
Free Visa debit card Yes Yes Yes Yes
ATM access 30,000 free network ATMs; ATM fee reimbursement up to $3 per transaction and $15 per month 30,000 free network ATMs 30,000 free network ATMs; ATM fee reimbursement up to $3 per transaction and $12 per month 30,000 free network ATMs
Logo checks Free for Life First box free First box free Free for Life
Courtesy pay Available
Opt-in for ATM and debit card courtesy pay protection in two clicks
Available
Opt-in for ATM and debit card courtesy pay protection in two clicks
Available 18 and older
Opt-in for ATM and debit card courtesy pay protection in two clicks
Available
Opt-in for ATM and debit card courtesy pay protection in two clicks
Overdraft protection Free Free Free Free
Online transfers between financial institutions Unlimited Unlimited Unlimited Unlimited
eStatements Free Free Free Free
Additional benefits 0.25% APR discount on future vehicle loans; free notary and signature guarantee; 3 free cashier’s checks per month 1 free cashier’s check per month 1 free cashier’s check per month Free notary and signature guarantee; 3 free cashier’s checks per month

Access your paycheck on payday with direct deposit. To establish this convenient service, simply contact your employer's payroll department and provide our ABA Routing Number, 121181743.

To reorder checks for an existing checking account, simply log into BranchLine for secure check reorders. For a new account, please call a member service representative at (888) 858-6878.

Final checking account establishment and Visa debit card are subject to approval through ChexSystems. Free overdraft protection transfers available from established savings, money market or Visa accounts. Courtesy pay fee is $25 per item when you overdraw your account by check, ACH, ATM or debit card transactions. Repayment is required within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you are delinquent or in default in any other respect on any loan or obligation. Some restrictions apply.

Need help?

×