Get free checking that's truly free with no monthly fees or no minimum balance requirements.1 If you use your checking account to pay your monthly bills and your balance fluctuates, this simple and economical option is just for you.​

Unique account features

  • Keep what you've earned — there's no monthly fee.
  • Enjoy peace of mind with no minimum balance.
  • Send and receive money with Zelle®.2
  • Write as many checks as you want.
  • Get a free, chip-enabled Debit Mastercard®.

Features of all our checking accounts

  • Free, unlimited use of more than 30,000 ATMs — more than most major banks — through the CO-OP Network of credit union ATMs.3
  • 24/7 Online and Mobile Banking and TellerPhone to check balances and make payments or transfers.4
  • eStatements and eNotices.5
  • Pay all of your bills, all at one time, all in one place with Online Bill Pay.



Log in to Online Banking to get started.

Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



  1. Must be 18 years or older. ChexSystems verification and $25 minimum opening deposit required. 
  2. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the U.S. to use Zelle. 
  3. $1 charge per withdrawal for non-SchoolsFirst FCU/CO-OP Network ATMs. Other financial institutions or merchants may charge for use of their ATM or POS terminal.
  4. Data charges may apply to Mobile Banking. Check with your mobile provider.
  5. If you opt-out or do not sign up for eStatements, we will provide statements at no fee.

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