Checking Accounts

Apply Now.Our checking accounts have all the benefits you have come to expect from an account without the added fees. We provide various account options to help you grow your assets securely. Discover what we have to offer.

 

COMPARE Free Checking iDeal Checking Money Market
Service Charge None None None
Minimum balance to open $25 $25 $1,000
Minimum balance to waive monthly service charge No charge if balance above $0 No charge if balance above $0 No charge if balance above $0
Interest paid on balance None Higher rate of interest Higher rate of interest
Overdraft Privilege Yes Yes No
Quest Visa Check Card To qualifying accounts

Required; must post and clear 10 Visa Check Card transactions per month. (Signature based/credit.)

No
Statements E-mail or paper E-mail only E-mail or Paper
Checks Minimal fee Minimal fee Minimal fee
ATM Refunds No Yes No
Online Bill Pay Free Free N/A
Direct Deposit Free One (1) Direct Deposit or Auto Pay required Free
Online Banking Free Free Free
Mobile App with Mobile Deposit Free Free Free
Per Check Charge None None None
Eligible for .25% APR* Discount on Auto Loans & Refinances Yes Yes No

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Free Checking

This account is for members who want to write any unlimited amount of checks per month and may keep a small minimum balance on deposit.

Apply now.

 

 

 

*For qualifying accounts. ATMs in the Credit Union ATM Network are free to use. Click here to find surcharge free ATMs. **.25% APR (Annual Percentage Rate) discount assumes automatic payment, and includes direct deposit and an active debit card with the credit union.

iDeal CheckingDownload info about iDeal Checking!

This account is designed for the member who is willing to meet simple qualifications to earn a higher rate of interest on their balance. In order to earn the interest and receive automatic ATM fee refunds nationwide+, members must meet three easy qualifications.

  1. Post and clear 10 or more Visa Check Card purchases per month. (Signature based or credit transactions.)
  2. Authorize and clear one Direct Deposit or one automatic payment from your account each month.
  3. Enroll and receive your statements electronically.

If you meet the qualifications for the month, you will earn:

  • 2.50% APY* paid on balances between one penny and $10,000 for that monthly statement cycle.
  • 0.25% APY* paid on the portion of account balances over $10,000 for that monthly statement cycle.

If you do not meet the qualifications for the month, you will still receive free checking and earn:

  • 0.05% APY* on your balance for that monthly statement cycle.

Meet the qualifications the following monthly statement cycle and you’re back to earning premium dividends and automatic refunds on ATM transaction fees nationwide.+

With iDeal Checking, you receive all the same benefits as a free checking account - with the benefit of earning interest!

Apply now.View rates

 

 

 

*2.50% Annual Percentage Yield (APY) paid on balances between one penny and $10,000, and 0.25% APY paid on the portion of account balances over $10,000 for each monthly statement cycle the qualifications are met. Balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 2.50%-0.25% APY depending on the balance. Annual Percentage Yields are effective as of April 1, 2013 and subject to change after account is opened.

+Collective total of all ATM fees that will be reimbursed for a qualification cycle will not exceed the $25.00 limit established for each qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.

A minimum balance of $25 is required to open this account. The required minimum for ACH origination into any Share Account is $100. Available for personal accounts only. Limit one primary account per social security number and two per household. No monthly service charge.

*For qualifying accounts. ATMs in the Credit Union ATM Network are free to use. Click here to find surcharge free ATMs. **.25% APR (Annual Percentage Rate) discount assumes automatic payment, and includes direct deposit and an active debit card with the credit union.

Money Market Gold

Money Market Gold accounts are for members who would like to earn a higher rate of return based on their average daily balance, but still have the option to write a few checks each month.

Apply now.View rates.

 

 

 

*Withdrawals and transfers to another credit union account or to a third party by means of a pre-authorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. 

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