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Checking Accounts

Open Account

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
  • New Member Special Offer
Primary Checking

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

Goldstar® Membership

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

ATM Checking

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

Fresh Start Checking