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Simple Checking

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Let's get back to the Basics

If you have restrictions that prevent you from receiving dividends, this is the Checking Account for you.

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  • No minimum balance

    Whether you have $5 or $500, you will get the same great benefits from this checking account, every day.

  • No monthly fees with eStatements

    No monthly fees is how checking accounts should be.

  • Non-interest bearing

    If you have restrictions which prevent you from receiving dividends (such as with a joint or organizational account), this checking account can prove useful.

  • Cash Back Through uChoose Rewards

    Enroll in uChoose rewards** so you can start earning points on every card transaction—you'll earn 0.5 points on every $1 spent that you can redeem for cash back!

    Access uChoose by logging into Online Banking or our mobile banking app. Navigate to Cards, then click Rewards.

Simple Checking Rates

Minimum Balance Dividend Rate Annual Percentage Yield
No minimum balance 0.00% 0.00%
Rates subject to change at any time. Rates effective as of August 3, 2026. APY is accurate as of the last dividend declaration date.,

Simple Checking Account Rates

Open an Account Today!

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Disclosures and additional details

For disclosures and additional details, visit here.

Rates subject to change at any time. Rates effective as of August 3, 2026. APY is accurate as of the last dividend declaration date.

*Optional Overdraft Protection - A share transfer option and a line of credit option are available.

**Premium Overdraft - A privilege provided to eligible members that allows them to overdraw their checking account so that checks and other items are not returned ("bounced"). In most cases, Premium Overdraft is offered to members in good standing immediately after a new checking account has been opened.

Overdraft and Premium Overdraft Policy Information

Co-op Advantage Checking Account Additional Information

  • Rate may change after account is opened.
  • ATM charge refunds up to $10 per cycle (calendar month) if all reward rate requirements are met (see below).
  • Reward rate 0.50% Annual Percentage Yield (APY) paid on balances between one penny and $15,000, and 0.11% APY paid on all amounts above $15,000 each qualification cycle (calendar month) if the minimum requirements are met. If you do not meet the requirements per cycle, your account will earn 0.03% APY; you will not receive ATM refunds for that cycle period.
  • We may change the rate and APY at any time after the account has been opened.
  • No Minimum Balance to maintain an account.
  • You must establish credit union membership with a Share Savings Account balance of at least $5.
  • Available to Personal Accounts only.
  • No monthly service charge when enrolled in eStatements.
  • Free Online Bill Pay.
  • Service charges could reduce the earnings on this account.

Reward Rate Requirements

Simply meet the following free and easy requirements for each monthly qualification cycle. If you don’t meet the requirements, don’t worry. There’s no penalty and you can work towards meeting them next month:

  • 12 Debit Card purchases
  • 1 Direct Deposit or ACH Auto Debit
  • Receive eStatements
Additional details

**uChoose Rewards points accumulate automatically for all card purchases once debit card is enrolled in program. Points post at the start of each month, and can be redeemed for rewards at any time via Online or Mobile Banking. Balance transfers and cash advances not eligible for points accumulation. See uChoose terms & conditions for additional information.