Checking Accounts

Compare our rewards checking accounts to find the right fit for your financial needs.

No monthly service fees
Earn rewards or high interest on your balance
Free digital banking tools to manage your money

Open an Account

Choose a Checking Account

Momentum Checking

Earn more from your everyday spending with a high-yield rewards checking account.

Earn up to 6.00% APY* on qualifying balances
Get rewards with everyday debit card use
Access powerful digital banking tools

Learn more about Momentum Checking

Pop Checking

An account designed to help teens and young adults build strong financial habits.

Checking account designed for ages 13 and up
Earn up to 1.00% APY¹ on balances over $0
Build credit with responsible account use

Learn more about Pop Checking

CareFree Checking

A simple, free, and no-fee checking account built for easy, everyday banking.

No monthly service fees with no hidden charges
No minimum balance required to keep account open
Full digital banking, bill pay, and mobile tools

Learn more about CareFree Checking

How to Choose the Right Account

Not sure which checking account is right for you? Here's a quick way to find the best fit.

Momentum Checking if you want to earn high interest and rewards on everyday spending

Pop Checking if you’re a teen or young adult and want to learn smart money habits

CareFree Checking if you want a free checking account with no monthly fees or minimum balance requirements

Earn Debit Card Rewards Icon 1.2

Earn Debit Card Rewards

Use your debit card for everyday purchases and earn points through our uChoose Rewards® program. Redeem your points for gift cards, travel, merchandise, and more—all while using your checking account like you normally would.

Learn More About Rewards

Included With Every Account

Bill Pay

Online & Mobile Banking

Financial Tools

Debit Card Rewards

eStatements

Credit Score Monitoring

Compare Checking Accounts

Feature

Momentum

Pop

CareFree

Best For

Earning high interest + rewards

Ages 13+ building credit

Free, no-fee everyday banking

Monthly Service Fee

Minimum Opening Deposit

$25

Minimum Balance

Earnings

Up to 6.00% APY*

1.00% APY¹

None

Overdraft Protection**

Available

Free ATM Withdrawals

Unlimited FREE withdrawals

4 FREE withdrawals

Ready to open an account?

Open Account

Checking Account FAQs

How do I open a checking account?

You can open an account online in minutes or visit a local branch to get started.

What do I need to open a checking account?

You’ll need a valid ID, Social Security number, and a minimum opening deposit.

Do your checking accounts have monthly fees?

No, none of our checking accounts have monthly service fees.

Can I earn interest on my checking account?

Yes. Momentum Checking and Pop Checking offer interest on qualifying balances.

Is online and mobile banking included?

Yes. All checking accounts include free online banking, mobile access, and digital tools.

Which checking account is best for me?

The best account depends on your goals. If you want to earn interest, Momentum Checking may be the right fit. If you prefer a free, no-fee option, CareFree Checking is a great choice. Compare our checking accounts to find the right fit for you!

*APY - Annual Percentage Yield effective 01/01/26. Rates may change after account open. Dividends are compounded monthly. $25.00 minimum balance to open Momentum Checking account. APY earned based on the following tiers and requirements: 6.00% APY earned on balances from $0 to 9,999.99; 3.00% APY earned on balances from $10,000.00 to $49,999.99; 0.00% APY earned on balances over $50,000.00; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Fifteen (15) Non-ATM debit transactions per qualification period. No dividends will be paid if all requirements are not met. Qualification period means a period of thirty-one (31) days preceding the 27th of each month. Fees could reduce the earnings on the account. Membership conditions may apply.

¹APY - Annual Percentage Yield effective 04/01/26. Dividend rate may change after account open. Stated rates subject to change. Dividends are compounded monthly. No minimum balance to earn APY. Fees could reduce the earnings on the account. Dividends are compounded monthly. Membership conditions may apply.