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Checking

$100 for New Checking with Direct Deposit1
Open a checking account by December 31, 2021, and we’ll deposit $100 to your new account when you add direct deposit. Use offer code GO100 when opening account. See offer details below.

Browse Your Checking Options
All accounts include free online banking and bill pay with check images, unlimited check writing, and free point-of-sale (POS) transactions.

To open a Checking account, click here, call our Member Contact Center at 1-888-786-2791, or visit one of our branch locations.
 
 
Student Checking
Beyond Checking Beyond Interest Beyond Rewards HSA Checking (Health Savings)
Ideal For Students ages 13 to 25 looking for electronic convenience with no minimum balance requirement. (Minors must have parent or guardian as a joint owner) Electronic convenience with no monthly service fee and no minimum balance requirement Earn interest on account balances while enjoying no monthly fee with balances of $1,000 or more Our premier checking account that offers the most competitive interest rates and benefits Tax-advantaged medical account available to members enrolled in a high-deductible health plan.
Monthly Service Fee Free Free $5 $15 $4
Minimum Daily Balance to avoid fee n/a n/a $1,000 $20,000
combined deposits & loans
$1,000
(fee also waived with monthly direct deposit)
Minimum balance to open $10 $10 $10 $10 $50
Check images available online available online available online & monthly statement available online & monthly statement available online & monthly statement
Paper Statement fee $2
(avoid the fee by enrolling in eStatements)
$2
(avoid the fee by enrolling in eStatements)
Free Free Free
Free ATM Access for In-network CO-OP & SUM ATMs          
Out of Network ATM Access $1.00 $1.00 $1.00 $1.00 $1.00
Automated Telephone Banking          
Interest (APY*) n/a n/a 0.01% 0.05% 0.10%
Other Benefits Free Pass - one free stop payment or ATM surcharge n/a n/a free Money Orders and Treasurer's Checks portable account: stays with you if employment or insurance carriers change. Unused balances automatically roll over.
Get paid up to two days early with direct deposit          
Loan discount with automatic funds transfer from Checking account          

It's easy to open an account!

Call, click, or visit a branch to get started.

 
*Annual Percentage Yield (APY) is accurate for all accounts listed, as of the date noted on the deposit rates page. Variable rates are subject to change without notice, and after the account is opened. View all disclosure information here.

1. $100 checking offer valid for new members who open a checking account October 25-December 31, 2021, and post a qualifying direct deposit of at least $250 by February 28, 2022, with offer code GO100. A qualifying direct deposit is a recurring deposit of a paycheck, pension, Social Security, or other eligible regular monthly income electronically deposited by an employer or outside agency into your new checking account. The $100 bonus will be credited to the new checking account by March 31, 2022. Account must be in good standing at time of bonus payout. Limit one bonus per primary account holder regardless of how many accounts opened during promotion period. The $100 bonus is considered interest and will be reported to IRS on Form 1099-INT. Offer subject to change without notice.