When Financial Plus began offering checking accounts many years ago, they were free. We’re proud to say that we continue to offer free checking today. 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.


You can now earn 4.15% APY* on balances up to $10,000 with an Elite Checking account. Apply today at one of our 7 branch locations! 

 
 

Elite Checking

Earn 4.15% APY* on balances up to $10,000.

Dividends Click here to view rate sheet.
Minimum Monthly Direct Deposit
into Elite Checking
$2,500
Minimum Initial Deposit None
Minimum Daily Balance Required None
Monthly Account Fee None
Check Orders Ask for check pricing
e-Statements FREE
(e-Statements and e-Notices required)
ATM Surcharge Reimbursement
 
None
(Avoid ATM surcharges by using co-op network ATMs)
Online Banking & Mobile Banking FREE
(Required to receive e-Statements and e-Notices)
Debit Card FREE** 
(Minimum requirement of 15 card purchase transactions per month)
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month

*APY = Annual Percentage Yield. Requirements apply to earn 4.15% APY. ATM transactions are not included in the required debit card purchase transactions. Dividends paid at month-end on daily balance up to $10,000. A 0.25% APY will apply to balances over $10,000.  A 0.00% APY will apply in months where all requirements are not met. If requirements are not met for 6 (six) consecutive months, the account will be changed to Free Checking. Limit one Elite Checking account per primary member. Business accounts do not qualify. Some restrictions apply. See Credit Union for complete details.

**Fee for replacement of lost/damaged debit cards (refer to fee schedule). See Credit Union for complete details.
Click here to see our fee schedule.


Tiered-Rate Checking

Earn higher dividend rates and get free checks.

Dividends Click here to view rate sheet.
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

(Fee for shipping applies)

e-Statements FREE
(Paper statement is $5.00 per month.)
ATM Surcharge Reimbursement

avoid ATM surcharges by using co-op network ATMs

Reimbursed up to $5.00/month*
Online Banking & Mobile Banking FREE
Debit Card FREE**
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month

*If daily requirement balance is met. Some restrictions and Financial Plus Credit Union standards apply. 
**Fee for replacement of lost/damaged debit cards (refer to fee schedule). See Credit Union for complete details.
Click here to see our fee schedule.


High-Rate Checking

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

(Fee for shipping applies)

e-Statements FREE
(Paper statement is $5.00 per month.)
ATM Surcharge Reimbursement

avoid ATM surcharges by using co-op network ATMs

Reimbursed up to $10.00/month*
Online Banking & Mobile Banking FREE
Debit Card FREE**
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month


*If daily requirement balance is met. Some restrictions and Financial Plus Credit Union standards apply. 
**Fee for replacement of lost/damaged debit cards (refer to fee schedule). See Credit Union for complete details.
Click here to see our fee schedule.

MyCollege Checking

Tailored to college students setting themselves up for success.

Account Requirements: 4 or more debit card transactions per month.
Must be enrolled in e-Statements.
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 purchase transactions per month; otherwise $5/month
Check Orders Ask for check pricing
e-Statements FREE

(Paper statement is $5.00 per month)

ATM Surcharge Reimbursement

avoid ATM surcharges by using co-op network ATMs

Reimbursed up to $5/month*
Online Banking & Mobile Banking FREE
Debit Card FREE**
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month

Click here to learn more about myCollege checking!

*If daily requirement balance is met. Some restrictions and Financial Plus Credit Union standards apply. 
**Fee for replacement of lost/damaged debit cards (refer to fee schedule). See Credit Union for complete details.
Click here to see our fee schedule


E-Checking

Earn dividends while using less paper.

Account Requirements: 4 or more debit card transactions per month and must
be enrolled in e-Statements to avoid fees.
Dividends Click here to view rate sheet.
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

(Paper statement is $5.00 per month.)

ATM Surcharge Reimbursement

avoid ATM surcharges by using co-op network ATMs

Reimbursed up to $2.50/month*
Online Banking & Mobile Banking FREE
Debit Card FREE**
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month
 
*If daily requirement balance is met. Some restrictions and Financial Plus Credit Union standards apply. 
**Fee for replacement of lost/damaged debit cards (refer to fee schedule). See Credit Union for complete details.
Click here to see our fee schedule

Free Checking 

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 & Mobile Banking FREE
Debit Card FREE
BillPay FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month