SimplySmarterTM Checking is a powerful and convenient checking account that's also a great value! It provides you with the access and convenience you expect in today’s electronic world, together with a modest monthly fee that can be reduced – or even waived – if you meet certain criteria.

Take a look at these SimplySmarter Checking benefits:

  • Unlimited check writing
  • Debit card access with fraud protection for unauthorized transactions
  • Secure online and mobile banking
  • Mobile deposits
  • Online and Mobile BillPay
  • Real-time alerts and reminders
  • Money Management online money management tool
  • Automated and manual transfers
  • Global ATM access
  • Unlimited access to Direct Financial ATMs
  • Surcharge-free access at CO-OP NetworkSUMTM and Falcon ATMs
  • Four free non-Direct Financial ATM transactions per account per month
  • Accountline automated telephone banking access

SimplySmarter Checking features a simplified fee structure, including a reduced fee if you choose to receive your statements electronically instead of on paper. The monthly fee will be waived if you meet any of the following criteria:

  • An average monthly Checking account balance of $500 or more in the account
  • A primary or joint account holder with deposit and/or loan balances totaling $25,000 or more
  • Recurring Direct Deposits into the account, such as payroll or retirement benefits
  • A primary account holder who is either under age 25, or age 65 and above

For full checking account pricing information, please see the Pricing Schedule, or speak to any Member Service Representative.

Your deposits are federally insured up to $250,000 per member by the National Credit Union Administration. Additional coverage may apply based on ownership of account - details and restrictions.

Table data for Checking
Minimum to Open & Earn APY Dividend Rate Annual Percentage Yield1 Alert Me
Checking Account $252 .05% .05%
  • 1Rates are subject to change after account opening.
  • 2A minimum daily balance of $500 must be maintained in your account each day to obtain the disclosed APY. Fees could reduce earnings.