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

FREE
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 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.
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 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 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 FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/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 FREE
Benefits Plus
Saves you even more money!
Enhance your checking account with Benefits Plus for just $6.95/month


*Must meet all account requirements to be eligible for ATM surcharge reimbursement. Please note that surcharges are at ATM locations other than Financial Plus and CO-OP network ATMs. 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.