Ultimate Checking Accounts

Finally! A credit union checking account with no minimum balance or monthly fees that also pays dividends!

 
 

Earning 1.00% APY* with an Ultimate Checking Account is as easy as 1-2-3!

  1. Use your Contactless Visa® Debit Card to make at least 15 purchases at a store or online, each exceeding $3 per transaction, per month.

  2. Make an aggregate monthly deposit of at least $500 into your account via direct deposit, mobile deposit, or a deposit at one of our branches (not a shared branch).

  3. Enroll in eStatements.


    All Visa® Debit Card purchases and all deposits must post during the month to qualify for the highest dividend rate tier.

    Didn’t meet the qualifications this time? Not a problem. We’re not a bank, so we won’t charge you a fee or a penalty, and you’ll still earn dividends - just not the full 1.00% APY*. Best of all? There’s always next month!

With an Ultimate Checking Account, you’ll get:

  • Free Online Banking.

  • Free Bill Pay.

  • Free Mobile Banking. *Data and Carrier rates may apply.

  • Unlimited use of our surcharge-free ATM network.

  • ATM fee refunds up to $10 each month for out-of-network ATMs (once all qualifications are met).


*APY = Annual Percentage Yield. Rates subject to change without notice. Certain terms and conditions may apply. Dividends are computed on the daily balance method. Fees may reduce earnings. Rate tiers are as follows: 1.00% APY applies to the portion of the balance from $0.01 to $10,000.00. The portion of the balance from $10,000.01 to $15,000.00 will earn 0.05% APY. The portion of the balance over $15,000.00 will earn 0% APY. If qualifications are not met, 0.05% APY will be earned on balances up to $15,000.00. Dividends earned will be deposited into the member’s prime savings account. Only one Ultimate Checking account per member. Ultimate Checking accounts are variable rate accounts that may change after account opening.

Ultimate Checking Account not for you? Explore our other Checking Account options below.

  • Unlimited Checking Account 


    Our Debit cards are Contactless! Tap, wave, insert, or swipe - the choice is up to you!

    Unlimited access to surcharge-free ATMs nationwide. No minimum balance and no monthly fees.

    Ask us about opening an Unlimited Checking Account today.

  • Teen Checking Account 


    Our Debit cards are Contactless! Tap, wave, insert, or swipe - the choice is up to you!

    Teen Checking Account Offers:
    • Free unlimited access to more than 55,000 surcharge-free ATMs nationwide
    • Access to more than 5,000 shared branch locations nationwide
    • No minimum balance and no monthly fees
    • Free Online Banking, and Bill pay
    • Free Mobile Banking *Data and Carrier rates may apply
    • Free E-Statements


    Questions?
    Contact Us.

    Notes:
    Available to teens ages 13 to 17; parent or guardian signature required as joint owner.
    Daily debit card transaction limit is $250.

  • Organization Checking Account 


    Our Debit cards are Contactless! Tap, wave, insert, or swipe - the choice is up to you!

    Organization Checking Account – perfect for non-profit organizations or associations that belong to the credit union.

    See if your organization is eligible for an Organization Checking Account.

    Our Organization Checking Account Offers:
    • 0.05% APY**
    • Access to more than 55,000 surcharge-free ATMs nationwide**
    • Access to more than 5,000 shared branch locations nationwide
    • Free Online Banking, and Bill Pay
    • Free Mobile Banking *Data and Carrier rates may apply
    • Free E-Statements and unlimited check writing

    Questions?
    Contact Us.

    To open your Organization Checking Account, please complete and mail the following two required forms:
    Please note: The credit union will need to be notified of any change in officers immediately. This account is not for individuals but for chapters and organizations.

    **APY = Annual Percentage Yield. Rates are subject to change without notice. Certain terms and conditions may apply. Dividends are computed on the daily balance method. Fees may reduce earnings. 0.05% APY** applies to all balances.
    **After five ATM withdrawals, there is a $1 fee per transaction.

Helpful Checking Account Resources:

  • Order your checks online from Harland Clarke, our preferred provider.

  • Direct Deposit

    • Provides you with a no-hassle way of depositing funds and making them available on your payday. You can make loan payments and savings deposits to your own accounts, as well as other family members’ accounts.

      To set up direct deposit, visit your payroll office and give them our ABA routing number 254075438, and your 5, 6, or 7-digit account number followed by the share suffix you’d like your funds deposited to (either -00 for savings and -10 or -20 for checking).