Checking Accounts

Apply Now.Quest 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 Interest Checking iDeal Checking
Service Charge None None if account balance is greater than $500 None if account requirements are met; $5/mo if not
Minimum balance to open $25 $100 $25
Minimum balance to waive monthly service charge No charge if balance above $0 $100 No charge if balance above $0
Interest paid on balance None Yes Higher rate of interest
Overdraft Privilege Yes Yes Yes
Quest Visa Check Card Yes, to qualified accounts. Yes

Yes, required; must post and clear 15 Visa Check Card transactions per month with a $5 minimum per transaction.

Statements E-mail or paper E-mail or paper E-mail only
Checks Minimal fee Minimal fee Minimal fee
ATM Refunds

8 free/mo, $1 each after

8 free/mo, $1 each after 8 free/mo, $1 each after
Online Bill Pay Free Free Free
Direct Deposit Free Free Free; one (1) Direct Deposit or Auto Pay required
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 Yes

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.

 

 

 

**.25% APR (Annual Percentage Rate) discount assumes automatic payment, and includes direct deposit and an active debit card with the credit union.

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.

  • No monthly fees if minimum balance maintained
  • $100 minimum balance
  • Free Visa Check Card and use of our extensive ATM network
  • .25% APR discount on auto loans and refinances**
  • Custom-printed checks in a variety of styles, at a minimum charge
  • Unlimited check writing
  • Direct Deposit available
  • Free Quest Mobile App with Mobile Deposit
  • Free Online Banking
  • Free Online Bill Pay
  • Free E*Alerts
  • Free online check imaging
  • Minimum $25 deposit to open (no minimum thereafter)
  • Overdraft Privilege and Overdraft Protection available for qualifying accounts

Apply now.View rates.

**.25% APR (Annual Percentage Rate) discount assumes automatic payment, and includes direct deposit and an active debit card with the credit union.

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  surcharge refunds (up to $12), members must meet three easy qualifications.

  1. Post and clear 15 or more Visa Check Card purchases per month. ($5 minimum per transaction)
  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 $15,000 for that monthly statement cycle.
  • 0.20% APY* paid on the portion of account balances over $15,000 for that monthly statement cycle.

If you do not meet the qualifications for the month, you will receive a monthly fee and earn:

  • 0.05% APY on your balance for that monthly statement cycle.
  • $5 monthly service fee

Meet the qualifications the following monthly statement cycle and you’re back to earning premium dividends and up to $12 in surcharge refunds on ATM transactions nationwide.+

With iDeal Checking, you have the benefits of our checking account options plus earn interest!

Apply now.View rates

 

 

 

*2.50% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 0.20% APY paid on the portion of account balances over $15,000 for each monthly statement cycle the qualifications are met. Balances over $15,000 earn 0.20% interest rate on portion of balance over $15,000, resulting in 2.50%-0.20% APY depending on the balance. Annual Percentage Yields are effective as of January 1, 2016 and subject to change after account is opened.

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. No monthly service charge.

+ For qualifying accounts. ATMs in the Credit Union ATM Network are free to use, up to 8 times per month. Click here to find surcharge free ATMs. Qualifying ideal Checking Accounts are eligible for $12 in ATM surcharges refunded per month.

**25% APR (Annual Percentage Rate) discount assumes automatic payment, and includes direct deposit and an active debit card with the credit union.

Rates and Fees updated and effective as of January 1, 2016.

 

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 Quest Mobile App featuring Mobile Deposit