Checking
Premier Checking0.15% APY
Effective Nov 20, 2025. Interest paid monthly, subject to change quarterly.
Checking
Free Checking that's actually free.
No minimum balance. No monthly maintenance fees. No surprise charges. Just simple, everyday banking — the way it should be.
What's included
Everything you need, nothing you don't.
- $0 monthly fee, $0 minimum balance
- Free Visa debit card with contactless tap
- Free online & mobile banking, free bill pay
- Overdraft transfers from your savings — $3 each
- Surcharge-free access to 30,000+ ATMs nationwide
Compare accounts
Free Checking or Premier?
Both come with everything you expect from modern banking. Premier adds monthly interest.
Free Checking
- Free VISA Debit Card
- Yes
- Free Google Pay, Apple Pay, & Samsung Pay
- Yes
- Free CU Online
- Yes
- Free Bill Pay
- Yes
- Free Mobile App
- Yes
- Free Mobile Deposit
- Yes
- Overdraft from Savings
- $3 per transfer
- Free E-Statements
- Yes
- Interest Paid Monthly
- No
- Monthly Service Fee
- None
Premier Checking
- Free VISA Debit Card
- Yes
- Free Google Pay, Apple Pay, & Samsung Pay
- Yes
- Free CU Online
- Yes
- Free Bill Pay
- Yes
- Free Mobile App
- Yes
- Free Mobile Deposit
- Yes
- Overdraft from Savings
- $3 per transfer
- Free E-Statements
- Yes
- Interest Paid Monthly
- Yes
- Monthly Service Fee
- $10 (if daily balance falls below $500)
| Feature | Free Checking | Premier Checking |
|---|---|---|
| Free VISA Debit Card | Yes | Yes |
| Free Google Pay, Apple Pay, & Samsung Pay | Yes | Yes |
| Free CU Online | Yes | Yes |
| Free Bill Pay | Yes | Yes |
| Free Mobile App | Yes | Yes |
| Free Mobile Deposit | Yes | Yes |
| Overdraft from Savings | $3 per transfer | $3 per transfer |
| Free E-Statements | Yes | Yes |
| Interest Paid Monthly | No | Yes |
| Monthly Service Fee | None | $10 (if daily balance falls below $500) |
Federally insured by NCUA.
Checking
Checking rates
Premier Checking earns dividends on your everyday balance.
APY = Annual Percentage Yield. Rates are subject to change. Savings rates effective March 18, 2026; share certificate rates effective July 28, 2026; money market, checking, IRA and Christmas Club rates effective November 20, 2025. Federally insured by NCUA.
Ready to make the switch?
Most members are approved instantly online.