

Standard Checking
Features:
- No minimum balance requirement (to avoid a service fee)
- Debit card included
- Over 30,000 surcharge-free ATMs nationwide through the CO-OP Network
- Online / Mobile Banking access
- Mobile check deposits
Rewards Checking
Features:
- Debit card included
- Over 30,000 surcharge-free ATMs nationwide through the CO-OP Network
- Online / Mobile Banking access
- Mobile check deposits
- Rewards Checking Benefits
- Higher dividends than Standard Checking
- Receive ATM fee refunds of up to $25 per statement cycle
To qualify for Rewards Checking benefits, your account must meet the following requirements for each statement cycle:
- Maintain a minimum average daily balance of $2,500 to avoid a service fee of $2.00 per month
- Initiate one direct deposit or ACH auto debit, or pay at least one bill through Online Banking Bill Pay
- Enroll in & receive eStatements
- Make at least 12 Visa Debit Card merchant point-of-sale transactions during the qualification cycle
Checking Rates
Account Type | Dividend Rate | Annual Percentage yield (APY) | Minimum opening deposit | Minimum balance to avoid a service fee | Minimum balance to earn the stated APY | Account limitations |
---|---|---|---|---|---|---|
Checking | 0.05% | 0.05% | $- | $- | $- | N/ A |
Rewards Checking (0-$15,000.00) | 2.50% | 2.53% | $- | $2,500.00 | $- | N/ A |
Rewards Checking ($15,000.01+) | 0.20% | 0.20% | $- | $2,500.00 | $- | N/ A |
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