If you're interested in earning dividends on your balance, and don't mind keeping a minimum balance, then Investment Checking might be right for you.1

Unique account features

  • Earn dividends that increase with higher balances (SEE TODAY'S RATES).
  • Earn Member Rewards for every transaction.
  • Get a free, chip-enabled Debit Mastercard®.
  • Write as many checks as you want.
  • Get six free out-of-network ATM withdrawals per month.2
  • $3 monthly fee if age or minimum balance requirements are not met.

Get our $3 monthly fee waived

  • Have direct deposit and a daily minimum combined share balance of $1,0003 or
  • Have a combined daily share balance of $2,500 or
  • Be 62 or older and the Primary Member on the account.

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.4
  • 24/7 Online Banking, Mobile Banking5 with eDeposit, and TellerPhone to check balances and make payments and transfers.
  • 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. $1 charge per each additional withdrawal at non-SchoolsFirst FCU/CO-OP Network ATMs (waived for school employees).
  3. Direct deposit amount must be at least $1.
  4. Other financial institutions or merchants may charge for use of their ATM or POS terminal.
  5. Data charges may apply. Check with your mobile provider.

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