Checking Accounts

Checking accounts are the foundation of money management. Start your checking account today for free with a membership account with no monthly fees and gain access to member services unheard of at other financial institutions.

Our members can access their accounts online anytime with mobile banking, phone teller, or through an ATM. You can even find ATM locations near you using your phone. With over 30,000 CO-OP ATMs nationwide, you can access your money whenever you need it. All you do is send a text to 91989, enter your address with city and state or search by zip code and the service will reply with CO-OP ATM locations surcharge-free!
Checking account services:

  • Earn rewards with our All-Digital Checking
  • MasterCard debit card
  • Free ATM (within CO-OP) or debit transactions
  • Free email alerts
  • Free 24-hour online banking
  • Free bill payments through our Bill Pay system
  • Free e-statements
  • 24/7 member service through our call center
  • Unlimited check writing privileges
  • Remote deposit access through our app
  • Free money desktop financial management
  • 30,000+ Free ATMs including Walgreens & 7-Eleven locations nationwide

Find an ATM location by text message:

Send a text to 91989 from your mobile device. Enter an address (with city & state), zip code or intersection (with city & state) and the service will reply with the CO-OP Network surcharge-free ATM nearest that location.

Free ATM Transactions on allUS ATMs plus over 30,000 Co-Op ATMs nationwide*

Always Free Checking!

Finally, a value added checking account that is FREE. Access your account online, with mobile banking, by our Phone Teller or through an ATM. Checking is the foundation for your money management with convenient access and if you carry larger balances earn a competitive rate.
All Digital Checking Accounts

Manage Your Money Anywhere, Anytime
With All Digital Checking

Choose the account type that best suits your needs; Cash Back or Interest Earning

If you are a current checking account holder, your current Kasasa account will be converted on October 1st to the corresponding account type below.

Cash Back Checking

Our FREE* All Digital Checking Account rewards you with these benefits:

  • 2.00% on Debit Card Purchases
  • Up to $5 in Cash Back Each Month
  • Refunds on Nationwide ATM Fees
  • Free Online and Mobile Banking**

Simply Qualify by Having:

  • 15 Point of Sale Transactions per Month
  • Direct Deposit
  • One Transaction with Bill Pay or Remote Deposit During the Monthly Cycle

Interest Earning Checking

Our FREE* All Digital Interest Checking Account rewards you with these benefits:

  • 1.51% APY on Balances up to $10,000
  • Refunds on Nationwide ATM Fees
  • Free Online and Mobile Banking**


Simply Qualify by Having:

  • 15 Point of Sale Transactions per Month
  • Direct Deposit
  • One Transaction with Bill Pay or Remote Deposit During the Monthly Cycle

*No minimum balance required. $25 deposit required to open the account. You must meet the qualifications Membership eligibility required.
**You may be responsible for data and/or text charges through your mobile carrier, so be sure to check with your carrier for details.

Remote Check Deposit

Remote deposit your check… Have the ability to take a picture with your smart phone or tablet, you THEN have the ability to deposit your check anywhere, anytime or anyplace. Your phone is instantly transformed into a branch.

Monthly Cycle Qualification Dates

Each qualification cycle will begin on the first business day of the month and end on the last business day in the month. The following dates apply to our rewards checking Monthly Qualification Cycle. To qualify for your account’s rewards all your accounts qualifying transactions must post and settle to your specific checking account within the monthly qualification Cycle dates stated below. Account transactions and activity may take one or more days to post and settle to the account and all must do so during the monthly qualification cycle to qualify for your account’s rewards.

Month, Year Begin End
January, 2021
01/04/2021
01/29/2021
February, 2021
02/01/2021
02/26/2021
March, 2021
03/01/2021
03/31/2021
April, 2021
04/01/2021
04/30/2021
May, 2021
05/03/2021
05/28/2021
June, 2021
06/01/2021
06/30/2021
July, 2021
07/01/2021
07/30/2021
August, 2021
08/02/2021
08/31/2021
September, 2021
09/01/2021
09/30/2021
October, 2021
10/01/2021
10/29/2021
November, 2021
11/01/2021
11/30/2021
December, 2021
12/01/2021
12/30/2021
Overdraft Protection

We allow our members to maximize their utility and savings by offering Courtesy Pay on allU.S. checking accounts of $300 for established members of six months or more. Courtesy pay is voided while the checking account has an outstanding Quick Pay loan and/or a delinquency.

allU.S. Credit Union also offers Account Privilege on all established checking accounts of six months or more that are in good standing with a direct deposit. With our Account  Privilege service you can avoid “bounced checks” or returned ACH payments. Account Privilege covers overdrafts to 50% of your automatic direct deposit. Members have 30 days to bring account balance positive.

Coverage for ATM or point of sale purchases is available if a member opts-in.

*Free ATM Transactions on allU.S. ATMs plus over 30,000 Co-Op ATMs nationwide. Use our online search tool to find an ATM location near you.ATM fees charged by third parties are not the responsibility of allU.S. Credit Union. ** You may be responsible for data and/or text charges through your mobile carrier, so be sure to check with your carrier for details. 1 “Interest” referenced in the context of this page refers to “dividends.”  ***MoneyDesktop provides you access to a personal financial management software program whereby online banking becomes a “hub” of financial activity. With this service you can aggregate accounts from almost any financial institution, allowing you to:
  • Track spending
  • Create budgets
  • Manage your debt
  • … and more!
This is all available within your allU.S. online banking account for FREE!

Reorder Checks

Reordering checks online is simple just click on the link and follow the instructions to select your new checks. Reordering checks online

Please note: For your safety, if you need to make changes to your address or contact information, you may not use this service and must contact the credit union in writing with your new information. After you’ve placed your order, your account will be debited for the cost of your checks.

View All Fees

View all fees that may be related to checking account services.