The account that has your back.

  • Instant, surcharge-free access to cash
  • No monthly account maintenance fees
  • Manage your account anytime, anywhere

Carefree Checking

No monthly account maintenance fees.

This account fits those who:

  • Want a checking account with no monthly maintenance fees
  • Are someone just starting out with a new account
  • Don't want to worry about monthly account requirements

Reap the benefits.

Checkbox You'll benefit from:

  • No minimum balance requirements
  • No monthly account maintenance fees
  • Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
  • Free checking

Checkbox Manage your money when and where you want

  • Access your account online
  • Deposit checks and pay bills with our free Mobile App
  • Visit a branch at nearly 6,000 CO-OP shared branch locations

Checkbox Peace of mind

Checkbox

Cardholder benefitsCertain terms, conditions and exclusions apply. See our Debit MasterCard Benefits Guide for further details.:

  • Extended warranty
  • Satisfaction guarantee
  • Identity theft resolution services
  • And more (see Debit Mastercard tab)

Debit Mastercard

  • Benefits Overview Call 1.800.MASTERCARD (1.800.627.8372) for more information or for assistance with these benefits.
  • Mastercard Global Service™ provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.
  • Mastercard Airport Concierge™ provides a Meet and Greet agent to assist with flight connections, plus at select airports, expedited security/immigration processing.
  • Extended Warranty doubles most manufacturer or U.S. store brand warranties for up to one additional year.
  • Satisfaction Guarantee covers most items purchased with your card if they are damaged or stolen within 90 days of the purchase date.
  • Identity Theft Protection assists you with credit bureau notification and credit card replacement and provides you with an ID Theft Affidavit should you become an identity theft victim.

Certain restrictions apply. For details, refer to the Guide to Benefits brochure that accompanies your card. MasterCard, Priceless and the MasterCard brand mark are registered trademarks and MasterCard Global Service and MasterCard Airport Concierge are trademarks of MasterCard International Incorporated, used pursuant to a license.

Check out our related resources.

Rate Sheet and Fee Schedule

Membership and Account Agreement

Limitation and Termination of Service Policy