Choose a basic account or a loaded one
Find the checking account that fits your life.
Our checking accounts offer Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early1.
Basic Checking
- No monthly maintenance fee
- No minimum balance requirements
- Pay bills and manage money with Online and Mobile Banking
- Access surcharge-free ATMs nationwide
- More Details
Interest Checking
- Tiers let you earn higher rates on larger balances
- Maintain anytime access to your money
- No minimum balance to required to earn dividends
- More Details
Checking Accounts
Our checking accounts include a Visa® debit card, access to over 30,000 surcharge-free ATMs in the nationwide CO-OP Network, and Online and Mobile Banking to manage your money, pay your bills and more.
Simple and to the point, this hassle-free account delivers the solutions you need without any obstacles.
- No monthly maintenance fees or minimum balance requirements
- Optional overdraft protection
- Set up direct deposit, and auto pay deductions for automatic loan payments
- Unlimited check-writing and no per-check charges
- Monthly statements available in electronic form or paper
- Automated Fraud Alerts
- Debit card controls with Card Management
Apply for a checking account within Online Banking.
Want to earn more on your money without tying it up for years? This account is the answer, with substantially better rates than a standard checking or savings account and full access to your money.
- Same benefits as Basic Checking while you earn dividends on your money
- No minimum balance requirements to earn dividends, which are paid monthly
- No fees for standard checks
- Automated Fraud Alerts
- Debit card controls with Card Management
Maintain an average daily balance of $2,500 in this account and perform five transactions to avoid the $7.00 monthly service fee.
Apply for a checking account within Online Banking.
