Checking Accounts
We offer three Checking Accounts designed to help our members manage their finances, while keeping them in touch with their accounts - 24 hours a day, 7 days a week. No matter which account you choose, a checking account with Co-op Services Credit Union offers free, value-added benefits designed around you:
  • No per check fees
  • Unlimited check writing abilities
  • No Point of Sale transaction fees
  • Free Visa Debit / ATM card
  • Free Telephone Access Teller
  • Free Internet banking
  • Free Bill Pay Service*
  • Free Check Imaging Online
  • Free E-statements
  • Overdraft protection available**

* Bill Pay free when a minimum of five bill payments are made per month. A $5.25 monthly fee will apply to Bill Pay accounts with less than five transactions per month.

** An overdraft occurs when your account is overdrawn by check, ATM, Point of Sale, Electronic Payment (EFT), Visa Debit Cards or Internet Bill Pay transactions. Overdraft Fees: Free Checking $29 per item; Basic, Dividend, and Business Checking $25 per item. The maximum repayment period is 30 days to bring the account back to a positive balance. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we do not pay overdrafts if the account is not in good standing or there are too many occurances of overdrafts.
 
 

 
Free Checking - Our Free Checking account provides the features of a basic checking account combined with the value of FREE!
  • Minimum $50.00 to open account
  • No monthly service fee
  • No minimum daily balance requirements
  • Unlimited withdrawals at CO-OP Network ATMs

Basic Checking - This non-interest bearing checking account provides members an economical way to manage their money.
  • No minimum deposit requirements to an open account
  • $199.00 combined daily balance requirements to avoid $3.00 monthly fee
  • 5 Free ATM transactions per month when daily balance requirements are met

Minimum balance requirements can be met by having a $199.00 combined balance in savings, checking, club and/or certificates.
 

   

Dividend Checking - This interest bearing checking is ideal for members who maintain higher account balances and desire competitive interest rates.

  • Minimum $1000.00 to open account
  • $1000.00 combined daily balance requirements to avoid $6.00 monthly fee
  • 5 Free ATM transactions per month when daily balance requirements are met

Minimum balance requirements can be met by having a $1000.00 combined balance in savings, checking, club and/or certificates.