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Checking Accounts

Manage your money; reach your goals.

Open an account

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

  • Mobile

    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.

  • Shield

    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.

  • ATM

    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.

Checking Account

Type

Minimum Opening Deposit

APY

APY = annual percentage yield, effective as of 4/1/2024 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

  • Check writing

    Check writing

  • Debit card

    Debit card

  • Overdraft fees

    Overdraft fees

  • Free ATM access

    Free ATM access

  • Overdraft line of credit

    Overdraft line of credit

  • Round up feature in savings

    Round up feature in savings

  • Bonus match into savings

    Bonus match into savings

  • Cell phone protection

    Cell phone protection

  • Identity theft/credit monitoring

    Identity theft/credit monitoring

  • Monthly fee

    Monthly fee

  • Paper statement

    Paper statement

  • ATM rebates

    ATM rebates

  • Unlimited check writing

    Unlimited check writing

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Basic

  • Check writing

  • Debit card

  • Overdraft fees

  • Free ATM access

  • Overdraft line of credit

  • Round up feature in savings

  • Bonus match into savings

    No

  • Cell phone protection

    No

  • Identity theft/credit monitoring

    No

  • Monthly fee

    No

  • Paper statement

  • ATM rebates

  • Unlimited check writing

Open an account
Get started online

Edge Pay

  • Check writing

    No

  • Debit card

  • Overdraft fees

    No

  • Free ATM access

  • Overdraft line of credit

    No

  • Round up feature in savings

  • Bonus match into savings

  • Cell phone protection

  • Identity theft/credit monitoring

  • Monthly fee

    Monthly subscription fee - waived first month and can be reduced to $0 thereafter

  • Paper statement

    No - must opt in to eStatements to avoid paper statement fee

  • ATM rebates

  • Unlimited check writing

    No

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Open an account
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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
Handing Over Edge Pay Card - Long Form Txt

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.

Savings Piggy Bank - Long Form Txt

FAQs

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.

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Disclosures

1
– Fees may reduce earnings.