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Checking Accounts  

Receive up to $100 when you open a checking account by April 30, 2014.

 

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. Or, use our checking wizard and we’ll automatically recommend the perfect account for you. Try it! Our friendly member service representatives are also available to assist you by Live Chat or phone at (888) 858-6878.

 

FirstStep Checking

Free Checking

Relationship Checking

Plu$ Checking

Open an Account

Open an Account

Open an Account

Open an Account

Perfect for

You’re 23 or younger and are just getting started managing your personal finances. You don’t have access to direct deposit. You have direct deposit or $25,000 in combined deposit and loan balances with us. 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

None

None if requirements are met; otherwise $10

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 $12 per month 30,000 free network ATMs 30,000 free network ATMs; ATM fee reimbursement up to $3 per transaction and $15 per month 30,000 free network ATMs

Logo checks

First box free First box free Free for life

Free for life

 

Courtesy pay

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.

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.

Overdraft protection

Free Free Free Free

Online transfers between financial institutions

Unlimited Unlimited Unlimited Unlimited

eStatements

Free Free Free Free

Additional benefits

1 free cashier’s check per month 1 free cashier’s check per month 0.25% APR discount on future vehicle loans; annual fee waived for Visa Rewards; free notary and signature guarantee; 3 free cashier’s checks 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.

 
 
Federally insured by NCUA
Equal Housing Lender
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