When Financial Plus began offering checking accounts many years ago, they were free. We’re proud to say that we’ve offered free checking ever since – even when the other guys have started charging. Although there is a lot to love about our Free Checking, we also offer a few other checking options that might be the best fit for your financial lifestyle.

RECEIVE A FREE GIFT!*

Yep! When you open a FREE Checking** account at Financial Plus, you’ll receive a FREE GIFT! Plus you’ll enjoy all these great features, too!

FREE Instant Issue Debit Card***
FREE Online Banking
NO Monthly Account Fees
NO Monthly Statement Fees
NO Minimum Balance

Apply today to receive your FREE GIFT!

(While supplies last)

*Must be new checking relationship to receive free gift. Must enroll in direct deposit. First deposit must be made in 60 days of account opening. No substitutions or cash value. While supplies last.
**Some restrictions and Financial Plus Credit Union standards apply. Other fees such as Non-Sufficient Funds (NSF) and Overdraft fees may still apply. See Credit Union for details.
***Nominal fee for replacement of lost/damaged card (refer to fee schedule). Instant issue not available at Howell office.

Free Checking

In a Nutshell:	A free account with all the essentials.
Dividends	None
Minimum Initial Deposit	None
Minimum Daily Balance Required	None
Monthly Account Fee	None
Check Orders	Ask for check pricing
e-Statements	FREE
ATM Surcharge Reimbursement avoid ATM surcharges by using co-op network ATMs	None
Online Banking	FREE
Debit Card	FREE
BillPay Plus	$3 monthly fee charged if less than one bill paid per month.
Benefits Plus Saves you even more money!	Enhance your checking account with Benefits Plus for just $6.95/month

E-Checking

In a Nutshell:	Earn dividends while using less paper.
Dividends	For daily balance over $500
Minimum Initial Deposit	None
Minimum Daily Balance Required	None
Monthly Account Fee	None if 4 or more debit card transactions per month; otherwise $5/month
Check Orders	Ask for check pricing
e-Statements	FREE required otherwise $5/month for statement fee
ATM Surcharge Reimbursement avoid ATM surcharges by using co-op network ATMs	Reimbursed up to $2.50/month**
Online Banking	FREE
Debit Card	FREE*
BillPay Plus	$3 monthly fee charged if less than one bill paid per month.
Benefits Plus Saves you even more money!	Enhance your checking account with Benefits Plus for just $5.95/month

Tiered-Rate Checking

In a Nutshell:	Earn higher dividend rates and get free checks.
Dividends	Tiered rate structure
Minimum Initial Deposit	$1,000
Minimum Daily Balance Required	$1,000
Monthly Account Fee	None if Minimum Daily Balance is met; otherwise $10/month
Check Orders	FREE Checks (Nominal fee for shipping applies)
e-Statements	FREE
ATM Surcharge Reimbursement avoid ATM surcharges by using co-op network ATMs	Reimbursed up to $5.00/month**
Online Banking	FREE
Debit Card	FREE
BillPay Plus	$3 monthly fee charged if less than one bill paid per month.
Benefits Plus Saves you even more money!	Enhance your checking account with Benefits Plus for just $5.95/month

High-Rate Checking

In a Nutshell:	Earn money market dividend rates and get free checks.
Dividends	Money market rates on the entire balance. Paid monthly.
Minimum Initial Deposit	$15,000
Minimum Daily Balance Required	$15,000
Monthly Account Fee	None if Minimum Daily Balance is met; otherwise $20/month
Check Orders	FREE Checks (Nominal fee for shipping applies)
e-Statements	FREE
ATM Surcharge Reimbursement avoid ATM surcharges by using co-op network ATMs	Reimbursed up to $10.00/month**
Online Banking	FREE
Debit Card	FREE
BillPay Plus	$3 monthly fee charged if less than one bill paid per month.
Benefits Plus Saves you even more money!	Enhance your checking account with Benefits Plus for just $5.95/month