Checking that fits your life
With no minimum balance requirements or monthly service fees, Free Checking is a convenient way to manage your financial life. Use it to pay bills, make purchases, transfer funds and get paid faster with direct deposit.1 It gets even better when you add 24/7 access through online banking and our mobile app, which let you bank on your terms, when it's convenient for your schedule.2
Opening an account is easy! You can apply online in just a few minutes.
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Free Checking - here's the scoop
Free Checking provides all the convenience you want for your everyday banking, from shopping and buying gas to making recurring payments and getting cash from the ATM.
Affordable
No monthly maintenance fees and no minimum balance requirements
Convenient
Make purchases, write checks, transfer funds, withdraw cash and more!
Online and mobile banking
24/7 access! Pay bills, deposit checks, manage your accounts. Anytime, anywhere
ATMs everywhere you need them
The Co-Op Network has 30,000+ surcharge-free ATMs across the U.S.
Easy-to-use, with all the essentials:
- Get paid up to two days earlier with direct deposit^
- ACH options
- Online and mobile banking
- Free overdraft transfers
- Near real-time fraud notifications with Visa® Purchase Alerts
Our members say it best
Compare checking accounts
If you prefer no monthly service charge, you'll like Free Checking. If you plan to maintain a higher balance and would like to earn a dividend in the process, Dividend Checking might be the way to go. Either way, we've got you covered, with automatic enrollment in Courtesy Pay.3 If your checking account doesn't have enough available funds, Courtesy Pay covers checks, recurring payments tied to your checking account number and bill payments scheduled in online banking or the mobile app.
| Checking Products | Free Checking | Dividend Checking |
|---|---|---|
| Annual Percentage Yield (APY) | N/A | See today's rates |
| Minimum balance to earn APY | N/A | $250 |
| Minimum opening deposit | $50 | $100 |
| Monthly service charge | N/A | $6 |
| Minimum balance to avoid monthly service charge | N/A | $250 |
Both checking accounts include:
- Online banking and mobile app
- Free overdraft transfers
- Direct deposit and ACH options
Ready to open a Free Checking account?
We make opening your account FAST and EASY! There are three simple ways to get started:
By phone
Connect with our friendly team members at 800.347.9222. We'll explain the products and get you ready to open your new account.
Call now
At a branch
Stop by any of our local branches and speak with one of our helpful branch experts.
See locations
Common questions about checking accounts
Click on the “Open an Account” button.
Once you’ve selected the type of account you’d like to open, the application will walk you through what's needed to complete the process.
If you need assistance, call us at 800.347.9222. We'll be happy to help.
Follow the steps below to deposit your check using mobile deposit:
- On the Accounts screen, click the Quick Menu icon located in the bottom right corner.
- Click Mobile Deposit.
- Use the Choose Account drop-down to select the account where you want to deposit the money.
- In the Amount box, enter the amount you want to deposit.
- Take a picture of the front and back of your check and follow the on-screen instruction to upload the photos.
- Click Submit to complete the mobile deposit.
Download our app in the App Store or Google Play store.
Visa Purchase Alerts is an easy-to-use tool that helps members track spending and identify fraudulent activity early. Customize your alerts by choosing which debit or credit card transactions should trigger a notification and receive near real-time updates via text or email.
It only takes three steps to enroll in Visa Purchase Alerts:
1. Check to see if your Visa account is eligible.
2. Register your mobile device and/or email to receive Visa Purchase Alerts.
3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount and online or international purchases being made.
Get more from your membership!
Mobile App
Manage your accounts anytime, anywhere from the palm of your hand. Pay bills, deposit checks and more!
Get the details
Credit Cards
Solarity Visa® gives you convenient access to your available credit with no annual fee or balance transfer fees.
See more info
Home Loans
Whether you're in the market for a new home or ready to refinance, we have loans for all types of home owners.
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