Finally! A Credit Union Checking Account With No Monthly Fees That Also Pays Dividends!
Earning 1.00% APY* with an Ultimate Checking Account is as easy as 1-2-3!
Use your Contactless Visa® Debit Card to make at least 15 purchases at a store or online, each exceeding $3 per transaction, per month.
Make an aggregate monthly deposit of at least $500 into your account via direct deposit, mobile deposit, or a deposit at one of our branches (not a shared branch).
Enroll in e-Statements.
Didn’t meet the qualifications this time? Not a problem. We’re not a bank, so we won’t charge you a fee or a penalty, and you’ll still earn dividends - just not the full 1.00% APY*. Best of all? There’s always next month!
With an Ultimate Checking Account, You’ll Get:
Free Online Banking
Free Bill Pay
Free Mobile Banking. Data and Carrier rates may apply
Unlimited use of our surcharge-free ATM network
ATM fee refunds up to $10 each month for out-of-network ATMs (once all qualifications are met)
Rates effective 09/01/2025.
Ultimate Checking Account Not For You?
Explore Our Other Checking Account Options Below
Teen Checking Account
Our debit cards are contactless! Tap, wave, insert, or swipe - the choice is up to you!
Teen Checking Account Offers:
Free unlimited access to more than 55,000 surcharge-free ATMs nationwide
Access to more than 5,000 shared branch locations nationwide
No monthly fees
Free Online Banking and Bill Pay
Free Mobile Banking Data and Carrier rates may apply
Free e-Statements
Questions?
Notes:
Available to teens ages 13 to 17; parent or guardian signature required as joint owner
Daily debit card transaction limit is $250
To open this account, there is a required minimum balance of $25
Organization Checking Account
Our Debit cards are Contactless! Tap, wave, insert, or swipe - the choice is up to you!
Organization Checking Account – perfect for non-profit organizations or associations that belong to the credit union.
See if your organization is eligible for an Organization Checking Account.
Our Organization Checking Account Offers:
0.05% APY**
Access to more than 55,000 surcharge-free ATMs nationwide**
Access to more than 5,000 shared branch locations nationwide
Free Online Banking and Bill Pay
Free Mobile Banking Data and Carrier rates may apply
Free e-Statements and unlimited check writing
To open your account and earn dividends, there is a minimum balance of $150 is required
Questions?
To open your Organization Checking Account, please complete and mail the following two required forms:
Business, Chapter, or Federation Membership Application and Agreement. (Contact us to get the form)
Copy of a valid photo ID for each signer on the account
Please note: The credit union will need to be notified of any change in officers immediately. This account is not for individuals but for chapters and organizations.
**After five ATM withdrawals, there is a $1 fee per transaction.
Helpful Checking Account Resources
Order your checks online from Harland Clarke, our preferred provider.
Direct Deposit
Provides you with a no-hassle way of depositing funds and making them available on your payday. You can make loan payments and savings deposits to your own accounts, as well as other family members’ accounts
To set up direct deposit, visit your payroll office and give them our ABA routing number 254075438, and your 5, 6, or 7-digit account number (or MICR) where you’d like your funds deposited
Contact us to receive the direct deposit form