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Digital banking access
Some members may be experiencing intermittent login issues. We’re on it and working to get things running smoothly again.

Digital banking maintenance
Heads-up! We’ll be doing a little weekend maintenance to keep things running their best.

Some digital banking features may be briefly unavailable late Saturday night, October 26, from 10:30pm – 2:30am, while Zelle^® and external transfers will be ready to roll by 3am.

Stay secure… protect your password

Important reminder: We will NEVER call, email, or text you to ask for your password. Your password is private – keep it safe! Get more information and monthly updates on our fraud prevention page.

If you’re affected by the government shutdown, we’re here for you with member relief options. Chat with us online or call us at 800.866.6474.

FREE CHECKING

Home » Checking Accounts » Free Checking

Our Free Checking account lets you enjoy the convenience and simplicity of banking without a monthly fee. You can access your money anytime, anywhere, enjoy access to a range of digital banking tools, and receive personalized support, all designed to help you manage your money with confidence.

Account features

$0 monthly fee with eStatements¹
$0 opening deposit or minimum balance required
Free Visa debit card
Free overdraft protection²
Free access to 30,000+ ATMs nationwide³
Available to those with ITIN
Deposit rates
Digital banking

¹$5 monthly paper statement fee waived with eStatement enrollment.²Free overdraft protection when linked to Savings account. ²Access to surcharge-free ATMs nationwide through the CO-OP ATM Network.