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.
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*
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.
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*
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**
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**
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.