Checking Accounts
Primary Checking
Our most popular account for everyday banking with member reward dividends
- No Fees or Minimum Balance
- Monthly Dividends on balances $500+
- End-of-Year Member Dividend Rewards
- VISA® Rewards Debit Card
- Online & Mobile Banking
- Overdraft Protection Coverages
- Free account access at over 30,000 ATMs
- CO-OP Shared Branches & ATMs
Goldstar® Membership
Enjoy exclusive benefits such as higher savings rates, loan rate discounts, and more
- Higher Monthly Dividend Rates on Balances $500+
- Higher Dividend Rates on Savings & Certificate Accounts
- Loan Rate Discounts on Vehicle & Personal Loans
- Access to No Cost Identity Theft Protection
- Free or discounted services & additional rewards
- Online & Mobile Banking
- VISA® Rewards Debit Card
- Overdraft Protection Coverages
- Free account access at over 30,000 ATMs
ATM Checking
Easy access to your money when you don’t need a full checking account
- VISA® Rewards Debit Card for PIN-based transactions only
- Free account access at over 30,000 ATMs
- No minimum balance
- Does not earn monthly dividends
- ACH withdrawals are prohibited
- No checks
- No Courtesy Pay overdraft option
- No Mobile Deposit or Zelle® Payments
- No access to CO-OP Shared Branch locations
Fresh Start Checking
For members with bad credit or reported to ChexSystems or TeleCheck (fraud excluded). This account is less fee-intense than other checking alternatives.
- Minimum $100 balance
- $20 account opening fee
- $7 monthly fee ($4 with average daily balance of $750+)
- Does not earn dividends
- Online & Mobile Banking
- Convenient eStatements
- VISA® Rewards Debit Card
- Free account access at over 30,000 ATMs