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   Free
(Required to receive e-Statements and e-Notices)
Mobile Banking & Mobile Check Deposit**  Free
Debit Card^ Free
(Minimum requirement of 15 card
purchase transactions per month)
BillPay Free
Benefits Plus®
Our live-better-for-less checking enhancement program!
Enhance your checking account with Benefits Plus
for just $6.95/month. Click here for more details.

*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.

**Must meet the requirements for Mobile Check Deposit.

^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.

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.

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 Requirement $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
(Access statements and E-notices online)
ATM Surcharge Reimbursement*
 
Reimbursed up to $5.00/month
(Surcharges at ATM locations other than Financial Plus and Co-Op Network 
Avoid ATM surcharges by using Co-Op Network ATM locations)
Online Banking Free
Online Banking and Mobile Check Deposit** 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 for more details.

*If all account requirements are not met for the month, account is not eligible for ATM surcharge reimbursement

**Must meet requirements for Mobile Check Deposit.

^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.

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.

High-Rate Checking

Earn money market dividend rates and get free checks.

Dividends Money market rates on the entire balance.
Minimum Initial Deposit $15,000
Minimum Daily Balance Requirement $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
ATM Surcharge Reimbursement*
Reimbursed up to $10.00/month
(Surcharge at ATM locations other than Financial Plus and Co-Op Network.
Avoid ATM surcharges by using Co-Op Network ATM locations)
Online Banking   Free
Mobile Baking & Mobile Check Deposit** Free
Debit Card^ Free
BillPay Free
Benefits Plus®
Our live-better-for-less checking
enhancement program
Enhance your checking account with Benefits Plus for just $6.95/month.
Click here for more details.


*If all account requirements are not met for the month, account is not eligible for ATM surcharge reimbursement.

**Must meet requirements for Mobile Check Deposit.

^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.

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.


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        
ATM Surcharge Reimbursement*
 
Reimbursed up to $5/month
(Surcharges at ATM locations other than Financial Plus and Co-Op Network.
Avoid ATM surcharges by using Co-Op Network ATM locations)
Online Banking Free
Mobile Banking and Mobile Check Deposit** Free
Debit Card^ Free
BillPay Free
Benefits Plus
Our live-better-for-less checking
enhancement program
Enhance your checking account with Benefits Plus for
just $6.95/month. Click here for more details.

Click here to learn more about myCollege Checking!

*If all requirements are not met for the month, account is not eligible for ATM surcharge reimbursement. 

**Must meet the requirements for Mobile Check Deposit.

^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

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.


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             
ATM Surcharge Reimbursement*              Reimbursed up to $2.50/month*
(Surcharges at ATM locations other than Financial Plus and Co-Op Network.
Avoid ATM surcharges by using Co-Op Network ATM Locations)
Online Banking & Mobile Banking Free
Mobile Banking and Mobile Check Deposit** Free
Debit Card^ Free
BillPay Free
Benefits Plus
Our live-better-for-less checking
enhancement program   
         
Enhance your checking account with Benefits Plus
for just $6.95/month. Click here for more details.
 
*If all account requirements are not met for the month, account is not eligible for ATM surcharge reimbursement.

**Must meet the requirements for Mobile Check Deposit.

^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

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.



Free Checking 

A free account with the basics.

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
None
(Avoid ATM surcharges by using Co-Op Network ATM Locations)
Online Banking Free
Mobile Banking and Mobile Check Deposit* Free 
Debit Card** Free
BillPay Free
Benefits Plus®
Our live-better-for-less checking
enhancement program
Enhance your checking account with Benefits Plus
for just $6.95/month. Click here for more details.

*Must meet the requirements for Mobile Check Deposit.

**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

Everyday discounts, special offers and services are available to members with Benefits Plus® Checking. Nominal fee of $6.95 will be charged on the last day of each month. If checking is closed or member cancels Benefits Plus® within six months of enrollment date, an early termination fee of $25 will be charged. See Credit Union for additional details.