Checking Accounts

  One Checking® One Checking® Rewards New Start Checking® MyChecking Essential Checking
Best For: Active debit card users who want paperless account with a no-fee option. Members who keep higher balances in their checking account. Active debit card users who want the opportunity to earn cash back on signature-based transactions. Members having trouble getting a checking account elsewhere Younger members ages 15-17 who want a free starter checking account Members who have recently been laid off from work or had their hours reduced and/or members with combined annual income less than $35,000 per year
Free Online Banking & Bill Pay
Free Mobile Check Deposit
Free iPhone®, iPad® and Android apps
Ca$h Perks Merchant Rewards
Monthly Service Fees None with 15 signature-based debit card transactions per month, or $2,000 in average daily checking account balance, otherwise $5 per month $5.00 flat monthly fee (waived for the first 90 days, new accounts only) $19.50 monthly fee   None None
with account qualifications verified
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We will help you find the best checking account to fit your needs. Each account has its own unique benefits such as low or no monthly account maintenance fees, free access to SilverLink Online Banking and Online Bill Pay, free mobile apps, free E-Statements, free Visa® Debit cards, low-cost checks and much more.

Compare Checking Accounts

One Checking® Rewards – Free for 90 days!

With One Checking® Rewards, you’ll receive all the same features and benefits as One Checking®, plus you earn unlimited cash back rewards on signature-based debit card transactions. You’ll even have the opportunity to earn more than the monthly fee!

One Checking Rewards

The account benefits include:

ONE CHECKING® REWARDS ACCOUNT DISCLOSURES: Account features and fees are subject to change. Earn 0.5% cash back on signature-based transactions on your account each month. PIN-based transactions do not qualify for cash back rewards. You can claim your cash back credit to your account each month through online banking. Mobile check deposit is for qualified members. See the Membership Account Agreement for complete account disclosures.

One Checking® Account

With One Checking®, you’ll enjoy value-added benefits and multiple remote banking options – all with no monthly fee when you meet the account requirements.

One Checking

The account benefits include:

ONE CHECKING® ACCOUNT DISCLOSURES: Account features and fees are subject to change. Add $2 per month to receive paper statements. No charge for E-Statements. See the Membership Account Agreement for complete account disclosures.

MyChecking

MyChecking Account

MyChecking account is designed for younger members ages 15–17. This completely free checking account offers many great benefits including a Visa® Debit card with unlimited transactions. Account holders even have access to our 24/7 SilverLink Online Banking and free Online Bill Pay.

Best of all, parents and joint members can transfer or deposit money directly into a MyChecking account using their 24/7 SilverLink Online Banking access. Funds will then be automatically available through the MyChecking Visa® Debit card.

Apply for a MyChecking account today at your local neighborhood branch!

New Start Checking® Account

We offer an alternative to high priced checking services. Our New Start Checking® account is designed to provide low-cost checking services to responsible people who are having trouble getting a checking account elsewhere.

Becoming a member and opening a New Start Checking® account is a quick and easy process. All you have to do is deposit $20.00 into a savings account and $20.00 into your new checking account. We will also need proof of employment and a recent pay stub to open your account. A monthly fee of $19.50 will be assessed until the account has been properly managed for twelve consecutive months. Proper account management is defined as having no more than three Non-Sufficient Funds (NSF) paid or unpaid year to date and no memos with restrictive instructions from our Collections Department.

For more information, please visit newstartchecking.com.

Essential Checking

Members who qualify for the Essential Checking account will have their monthly maintenance fees waived. Our Essential Checking account has all the popular features as One Checking®.

To qualify for our Essential Checking Account:

  • You must be 18 years of age or older
  • You must show proof of annual combined income less than $35,000 per year
  • You must have recently been laid off or had a reduction in hours (verification required)
  • You must maintain a minimum $5.00 share account balance
  • You must re-certify status annually