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Essential Checking

Help Your Budget Stretch with Essential Checking

Don't let monthly fees eat into your balance. Try our Essential Checking accounts instead and avoid paying monthly fees on your account. Manage your expenses better with modern online features accessible at your fingertips.

Essential Checking – No Monthly Fees!*

  • No monthly account fee*
  • 43,000 surcharge-free ATMs
  • Online banking, available 24/7
  • Free Visa® debit card
Essential Checking delivers everything you need in a checking account with a free Visa debit card and no monthly fees.*

Compare Essential Checking with other options

One Checking® Rewards Open Account

Our most popular account. Earn cash back rewards on everyday transactions.

$5 monthly fee Best for active debit card users who want to earn cash back on purchases.
One Checking® Open Account

Our basic checking account with no monthly fee, if you use it regularly1

$0 monthly fee1

When meeting monthly requirements

Best for active debit card users who want the option to avoid a monthly fee.
MyChecking Open Account

Our no monthly fee checking option for youth.

$0 monthly fee

Age restrictions apply2


Best for youth ages 15-17
Essential Checking Open Account

Our no monthly fee checking option for those on limited incomes*

Income restrictions apply*


Best for those on limited household incomes.
Essential Checking accounts: learn how they work

Essential Checking Accounts FAQs

1There is no monthly service fee with 15 signature-based debit card transactions or a $2,000 average daily checking account balance, otherwise $5 per month.

2Best for youth ages 15-17. Accounts will be converted to a One Checking account upon turning age 21.

*To open this account, you must have a verifiable household income of $35,000 or less annually. Income will be verified routinely.


View the Membership Agreement, Fee Schedule, and Privacy Notice.

Have More Questions? 

Learn smart money management from your friendly neighborhood credit union.
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