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 banks and credit unions 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.

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

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

APPLY TODAY!

*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 & 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

E-Checking

In a Nutshell:	Earn dividends while using less paper.
Account Requirements:	4 or more debit card transactions per month. Must be enrolled in e-Statements.
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 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* (If account requirements are met)
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

MyCollege Checking

In a Nutshell:	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 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 $5/month* (If account requirements are met)
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!

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** (If daily balance requirement is met)
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

Tiered-Rate Checking

In a Nutshell:	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 (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** (If daily balance requirement is met)
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

*Some restrictions and Financial Plus Credit Union standards apply.

**Nominal 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.