Share Draft (Checking) Accounts

Regular Checking Account

Expand your membership with our share draft account. Simply maintain a $300.00 average daily balance, or set up a direct deposit and e-statements and there will be no monthly service charge. Your share draft account includes the following benefits:

  • Overdraft protection
  • Pre-approved Courtesy Pay Limit
  • No per-check charges
  • Free Direct Deposit
  • Free E-statements
  • Free ART (Audio Response Teller) access
  • Free Home Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free Remote Deposit Capture
  • Free Visa® Debit Card
  • Free ATM access at Money Pass or CO-OP Surcharge-Free terminals
  • Quarterly dividends
  • Online check reorder

Free Checking Account

Similar features as our regular checking account, but with no monthly service charge. Benefits include:

  • Overdraft protection
  • Pre-approved Courtesy Pay Limit
  • No per-check charges
  • Free Direct Deposit
  • Free E-statements
  • Free ART (Audio Response Teller) access
  • Free Home Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free Remote Deposit Capture
  • Free Visa® Debit Card
  • Free ATM access at Money Pass or CO-OP Surcharge-Free terminals
  • Online check reorder

Platinum Checking Account

Make your money work for you with products and services you already use! With our Platinum Checking Account, you earn a higher dividend rate when your account meets the criteria below:

  • Average daily balance $500.01 – $15,000.00
  • Enrolled in online banking AND e-statements
  • Monthly direct deposit of $500 or more
  • 10 debit card transactions per month with a transaction amount of $10 or more, not including ATM withdrawals.

Additionally, your Platinum Share Draft account includes the following benefits:

  • Overdraft protection
  • Pre-approved Courtesy Pay Limit
  • No per-check charges
  • Free Direct Deposit
  • Free E-statements
  • Free ART (Audio Response Teller) access
  • Free Home Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free Remote Deposit Capture
  • Free Visa® Debit Card
  • Free ATM access at Money Pass or CO-OP Surcharge-Free terminals
  • Monthly dividends
  • Online check reorder

1st Checking Account

If you are between the ages of 16 and 24, you are eligible to open a 1st checking account. The benefits include:

  • Overdraft protection
  • Pre-approved Courtesy Pay Limit
  • No per-check charges
  • Free Direct Deposit
  • Free E-statements
  • Free ART (Audio Response Teller) access
  • Free Home Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free Remote Deposit Capture
  • Free Visa® Debit Card
  • Free ATM access at Money Pass or CO-OP Surcharge-Free terminals
  • Online check reorder

Fresh Start Checking Account

If you have experienced trouble with your finances in the past, you would be eligible for our fresh start checking account. Contact Member Services for an exact listing of the account benefits.