Everyday Banking, Made Smarter

Checking Accounts

  • Access to 30,000 surcharge-free ATMs
  • Access to Digital Banking
  • Earn APEX Points
Manage Direct Deposit

No more waiting. Get paid up to 2 days early** when you move to Direct Deposit. 

Learn More
Premier Checking

Bank Smarter

Free Checking

Simply free checking.

Money Market Checking

Check access and higher dividends.

Young Adult Checking Accounts

Better banking at any age

Choose 2 at a time to compare
Premier Checking
Free Checking
Money Market Checking
Summary

Access to premium features.

Simply free checking with no monthly fee

Easy access and earn a higher dividend rate
Monthly Fee

$9.99

Fee waived with eStatements plus one of the following

  • Monthly Direct Deposit of at least $800
  • Monthly average daily balance of $1,500

$0

No monthly fee unless balance is below $2,500
Paper Statement Fee

$0

$3

$0
Earn Dividends

0% APY on every dollar

No

Yes
FPCU and CO-OP ATMs

30,000+ surcharge-free

30,000+ surcharge-free

30,000+ surcharge-free
Non-FPCU ATM Transactions

Free

$3

$0
Additional Features
  • Free overdraft transfer 
  • Overdraft from Savings
  • Overdraft Privilege
  • Unlimited Co-Op Shared ATM transactions
  • Free Financial Partners branded checks
  • Free international ATM transactions
  • Incoming Wire Fee waived
  • Unlimited CO-OP ATM transactions 
  • Overdraft from Savings
  • Overdraft Privilege

Earn a higher tiered rate with a $2,500 minimum balance.

APY = Annual Percentage Yield

APEX Member Rewards: 250 APEX Points per month when you complete 15 or more debit card signature transactions totaling a minimum of $1,000. For complete details on the terms and conditions, please refer to the APEX Rewards Terms and Conditions.

Direct Deposit: Early access to direct deposit funds depends on the timing of submission of the payment file from the payer. Generally these funds are made available on the day the payroll file is received, which may be up to 2 days earlier