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.


P.S. Don’t forget that Financial Plus can also issue your debit card instantly when you open your account! Forget about waiting for it to come in the mail. Walk out with it the same day!

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 $5.95/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

*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.