We offer four types of checking accounts, FREE Checking, Premium Checking, Value Checking and Premium Checking Plus.  All of these accounts benefit from unlimited check writing privileges. All accounts also feature automatic overdraft protection from savings. An Overdraft Line of Credit Loan (LOC) is available on approved credit.

We have a wide range of checking account types.  Some account types require minimum balances and some do not.  Things to consider when selecting an account are:

  • How much you generally maintain in the account

  • The number of checks you write

  • The frequency you use cash machines

  • The other types of services you use with us

For more information on our checking accounts, select the Checking Accounts link below.


Feature Free Checking Premium Checking
FREE BillPay YES - anytimeBillPay is FREE with all checking accounts
anytimeBanking YES - FREE 24/7 computer access to your accounts
eStatements YES - FREE eStatements with check images. Receive your eStatement on the first business day of the month
ATM/VISA Debit Card YES - Pay no surcharge fees at over 25,000 CO-OP Network ATMs including over 5,500 7-Eleven locations throughout the U.S. and Canada. For the nearest CO-OP ATM, call 888-SITE-COOP or visit www.co-opnetwork.org.
Free Check Imaging YES - FREE images of cleared checks through eStatements or anytimeBanking.
Overdraft Protection YES - Choose from Savings or Line of Credit (on approved credit) $100 increments/$2 transaction fee may apply.
Federal Account Insurance YES - Accounts federally insured up to $100,000 (Individual Retirement Accounts to $250,000) by the National Credit Union Administration (NCUA), a federal government agency.
Free Checks NO YES - one box of image checks NO YES - one box of image checks
Dividends paid based on balance NO NO YES YES
Savers Club Book NO YES NO YES
Car Rental Discounts From Avis, Alamo, Hertz, and National NO YES NO YES
Luggage Protection NO YES NO YES
Hotel Savings Network Discounts at Popular Lodging Chains NO YES NO YES
Grocery Coupons NO YES NO YES
Payment Card Protection NO YES NO YES
Purchase Protection and Extended Warranty NO YES NO YES
Identity Theft Insurance NO YES NO YES
Remedy Check Protection NO YES NO YES
Member Benefits Online NO YES NO YES
ID Network Safety Service NO YES NO YES
Online Local Savings NO YES NO YES
Monthly Fee - Monthly Balance NO $5 per month. No minimum balance required

$5 per month

$5 fee waived with $500 minimum or $2,500 aggregate balance or 55 years or older.

$10 per month

$5 fee waived with $500 minimum or $2,500 aggregate balance or 55 years or older

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account.

What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documentation.