Simplify your payments with a checking account that fits your personality
You need a checking account that keeps your money safe and supports your unique lifestyle. Our Basic and Edge Pay Checking both offer convenience and peace of mind.
Benefits
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Convenient
Use online or mobile banking to view your account, schedule payments, deposit checks on your cell phone, and do almost anything you can do in a branch.
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Secure
Visa Secure gives you the ultimate in protection for online and in-person transactions. Plus, you can use online banking to report a lost or stolen card, and set alerts and controls.
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Accessible
Use our CO-OP & VSECU ATM Locator to avoid fees at over 30,000 ATMs nationwide. Plus, use your debit card anywhere the Visa logo is displayed to make purchases, access ATMs worldwide, or get cash back in-store.
|
Type |
Minimum Opening Deposit |
APY |
|---|---|---|
|
APY = annual percentage yield, effective as of 11/24/2023 and reflects the current minimum APY offered. |
||
|
Type Basic Checking |
Minimum Opening Deposit $25 |
APY None |
|
Type Edge Pay Checking |
Minimum Opening Deposit $25 |
APY None |
|
Type No Dividend Checking |
Minimum Opening Deposit $25 |
APY None |
Compare your options
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Check writing
Check writing
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Debit card
Debit card
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Overdraft fees
Overdraft fees
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Free ATM access
Free ATM access
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Overdraft line of credit
Overdraft line of credit
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Round up feature in savings
Round up feature in savings
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Bonus match into savings
Bonus match into savings
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Cell phone protection
Cell phone protection
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Identity theft/credit monitoring
Identity theft/credit monitoring
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Monthly fee
Monthly fee
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Paper statement
Paper statement
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ATM rebates
ATM rebates
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Unlimited check writing
Unlimited check writing
Basic
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Check writing
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Debit card
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Overdraft fees
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Free ATM access
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Overdraft line of credit
-
Round up feature in savings
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Bonus match into savings
No
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Cell phone protection
No
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Identity theft/credit monitoring
No
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Monthly fee
No
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Paper statement
-
ATM rebates
-
Unlimited check writing
Edge Pay
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Check writing
No
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Debit card
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Overdraft fees
No
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Free ATM access
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Overdraft line of credit
No
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Round up feature in savings
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Bonus match into savings
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Cell phone protection
-
Identity theft/credit monitoring
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Monthly fee
Monthly subscription fee - waived first month and can be reduced to $0 thereafter
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Paper statement
No - must opt in to eStatements to avoid paper statement fee
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ATM rebates
-
Unlimited check writing
No
Edge Pay
Perfect if you use a debit card for everyday purchases, want to automatically save money while you spend, prefer mobile banking, and want help staying on budget. Great for young teens, students, and digital wallet users.
- No overdraft fees
- Paperless account for the environment
- Automatic round-up feature into your savings
- Automatic bonus match based on monthly round-up
- Up to $400 in phone replacement or repair costs
- ID theft monitoring and resolution
- Credit score access and monitoring
- Health savings on prescriptions, vision, and dental costs
- Monthly subscription – waived first month
- Debit card and free ATM access
Get Round-Up Savings for Basic Checking, Too
Now you can automatically save money with your basic checking account. Enroll in our ChangeSaver program to save money every time you make a purchase with your debit card. We’ll automatically round up to the nearest dollar and transfer those funds to a predetermined Savings account. Get in touch or visit your nearest branch to sign up today, or visit nefcu.com for frequently asked questions about our ChangeSaver program.
Open a checking account today
Not a member? You’ll be prompted to join when you open your account. If you are already a member, it’s easier to open an account once you’ve logged into online or mobile banking. That way we can save you time by pre-filling the application with your information.
Disclosures
- 1
- – Fees may reduce earnings.