Checking Accounts

Ultimate Checking is Free and Rewarding

Our 100% free Ultimate Checking saves you money, gives you the anytime access you demand and rewards you, too!

Key Features

Open in Minutes

We offer two Ultimate Checking Accounts that let you choose the reward you want:

High-Yield Checking

Earn 5% APY on balances up to $10,000 in qualifying months + $25 in ATM refunds

Cash-Back Checking

Earn 3% cash back on Debit Card purchases up to $200 in qualifying months (maximum of $6 cash-back per qualifying month) + $25 in ATM refunds

Qualifications to meet each month are easy:

1. Be enrolled in free E-Statements
2. Make at least twelve (12) Debit Card purchases during calendar month
3. Log in to Online Banking / E-Statements at least once during calendar month

No matter which account you pick, you'll enjoy these perks:

• Tap & Go Contactless Debit Card
• Free Bill Pay
• Free Mobile Check Deposit
• 37,000 free CO-OP ATMs
• Mobile Wallet for Apple Pay, Samsung Pay and Google Pay
• Unlimited transfers at branch and ATMs
• Unlimited free automatic transfers between your accounts to prevent overdraft

$25 initial deposit to open. Annual Percentage Yield and Cash-back Percentage shown effective 5/2/25 and subject to change. All stated requirements must be met each calendar month to earn rewards. Months where account qualifications aren't met will result in no reward.