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Checking Accounts

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Checking Account  

Enjoy unlimited checkwriting privileges and convenient access by phone, computer, ATM or in person. One of our many checking options is sure to meet your needs.

Checking accounts offer:
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‣  Get paid a day early with Direct Deposit
‣  FREE Online Banking
‣  FREE Bill Payment
‣  FREE e-Alerts to give you maximum control over your accounts
‣  UNLIMITED ATM access at over 30,000 CO-OP Network ATMs
‣  FREE full-service ATM and branch access at more than 6,900 Shared Branching locations
 
 
 

Better Than FREE Checking

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It's FREE Checking. Just Better. Unlimited check writing with no monthly service charge, no minimum balance and no direct deposit requirements. PLUS:

  • FREE Checks
  • FREE 1% cash-back VISA® Debit Card
  • 2 FREE non-First U.S./CO-OP Network ATM transactions every month
  • 1 FREE ATM surcharge rebate every month
  • FREE first NSF fee waiver, and MORE, just click for details

Money Market Checking 

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If you keep a high balance and want to earn interest like a Money Market account yet still have all the flexibility and access of a checking account, our Money Market Checking account offers the best of both worlds.

  • No monthly fee when you maintain a minimum balance of just $5,000; otherwise $10.00
  • Dividends are paid on any day during the month if balance remains $5,000 or more
  • Tiered rates so the higher your balance, the more you earn
  • FREE cashiers checks and corporate checks

Dividend Checking  

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Earn interest on your checking even with a low minimum balance.

  • $100 minimum to open
  • $300 minimum balance to earn dividends
  • No monthly fee when you maintain a minimum balance of just $500, or $2,000 in aggregate deposits (same member number) or age 60+; otherwise $7
  • 4 FREE transactions at non-First U.S./CO-OP ATMs every month

Access Checking  

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Are you a busy person who prefers the convenience of 24-hour banking? Access Checking offers convenient account access by phone and computer, plus the advantage of FREE transactions at thousands of ATMs across the country. Direct deposit is required.

  • No minimum balance
  • No monthly service charge
  • Unlimited FREE Transactions at First U.S. and CO-OP Network ATMS, all other $1.50 per transaction
 

Student Access Checking  

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If you're a full or part-time student, you can enjoy the same great benefits as Access Checking, even if you're unable to have direct deposit.

  • No minimum balance
  • No monthly service charge
  • Unlimited FREE Transactions at First U.S. and CO-OP Network ATMS, all other $1.50 per transaction
 

Classic Checking

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If you prefer to conduct business face-to-face instead of electronically, Classic Checking offers the friendly in-person service that many large financial institutions no longer provide.

  • No monthly fee when you maintain an average daily balance of just $300 or age 60+; otherwise $5
  • Classic Checking does not include unlimited CO-OP Network ATM access
  • 4 FREE transactions at non-First U.S./CO-OP ATMs every month

Ultimate Checking 

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You'll earn our highest rate for checking funds with Ultimate Checking. Ultimate Checking also delivers full-service access to your accounts 24-hours-a-day at more than 250 deposit taking ATMs throughout California – make deposits, transfer funds, make loan payments, withdraw cash and more.

  • No monthly fee when you maintain a minimum balance of just $50,000; otherwise $15.00
  • Dividends are paid on any day during the month balance remains $50,000 or more
  • FREE cashiers checks and corporate checks
  • FREE 1st box of Logo checks
 
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