Free Checking Account
Access to your money, without the fees.
With our Free Checking Account, you don’t have to pay to get everyday access to your money. There are no monthly charges, no minimum balance requirements, and no per check charges. Instead, there are plenty of ways we help you manage your money and get your to-do list done without hassle.
Additional Services and Features
Visa Debit Card: Every checking account comes with a free debit card that can be used anywhere Visa is accepted. Find out more about how and where to use your card, or information about reporting it lost or stolen, on our Debit Card page.
Overdraft Coverage Options: It’s embarrassing and expensive to have charges declined or checks returned. We provide two options to avoid overdrafts:
- Link a savings account to have your available funds automatically transferred to coverage charges to your checking account.
- Get a CheckLine overdraft line of credit that is ready to use whenever you need it. With a line of credit, you always have funds available. There is no fee for simply having the account and if you need it, you’ll only have to pay interest plus a $2 transfer fee.
Surcharge-free ATM Network: Complete surcharge-free transactions at nearly 30,000 ATMs nationwide on the CO-OP and Alliance One networks. The next time you need cash, find your closest ATM in our mobile app or by visiting the CO-OP website.
Online and Mobile Banking: Easily track and manage your account from the comfort of your home or while you’re out and about. View transactions, make transfers, locate ATMs and send payments, all from your computer or smart phone.
Online Bill Pay: Simplify your life by setting up payments in Online Bill Pay. Log in to online or mobile banking to identify payees and create one-time or recurring payments for utilities, loans, landlords and more.
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Other Checking and Prepaid Accounts
We work with all members who want access to a checking account, even if you’ve had trouble with other checking accounts or credit in the past. Our staff will help you identify ways you can manage any negative marks on your record and may recommend our New X 2 Checking Account to get you started. We’re here to set you up for success and will always help you identify the best option to accomplish your financial goals.
For members who are not currently eligible to open a checking account, or for members want to have the flexibility of a debit card but with set fees, we also offer a Prepaid Debit Card.