Checking Accounts

Complete the following three steps each monthly qualification cycle:

• Have at least 12 debit card purchases post and clear your account ($5 min transaction)
• Have at least 1 direct deposit post and clear your account
• Enroll in and receive eStatements (valid email address is required)

If you don't qualify during the cycle, your High Yield account still acts as a free checking account. View our rates.

Remember, qualifying transactions must post and clear to the account during the monthly qualification cycle; transactions may take one or more banking days from the date the transaction was made to post to an account; transfers do not count as qualifying transactions.

*ATM Fee refunds up to $7.50 provided only if qualifications are met within the monthly qualification cycle.

This account earns 1.00% cash back on all debit card purchases that post and clear your account, up to a total cash back of $5.00 per monthly qualification cycle.

Complete the following three steps each monthly qualification cycle:

• Have at least 12 debit card purchases post and clear your account ($5 min transaction)
• Have at least 1 direct deposit post and clear your account
• Enroll in and receive eStatements (valid email address is required)

If you don't qualify during the cycle, your Cash Back account still acts as a free checking account.

Remember, qualifying transactions must post and clear to the account during the monthly qualification cycle; transactions may take one or more banking days from the date the transaction was made to post to an account; transfers do not count as qualifying transactions.

• No minimum balance requirements
• No monthly service charges
• Free debit card
• Earn 5.00% APY on balances up to $1000*
• Earn .05% APY on balances over $1000*
• $250 daily spending limit
• At 16, daily limits may be increased**
• At 18, co-signers may be removed**
• At 18, a credit card with $500 credit limit may be issued**

* Rates are subject to change at any time.
** Subject to approval.

• Earn dividends
• No minimum balance requirements
• No monthly service charges
• Free Debit Card (for qualifying members), or ATM card

A $0.15 per check fee will be charged for each check over 30 cleared per calendar month.

Here's just some of what you'll receive:

• Unlimited check writing privileges
• Free Minnco checks (MIDN style)
• Earn higher dividends with a low minimum balance requirement ($250)
• Low monthly fee if you fall below minimum balance ($3.00)*
• Free domestic fax services, photocopies and money orders

*You will only be assessed the fee ONCE during a month, no matter how many times you fall below it

With Plus Checking, you'll receive:

• Unlimited check writing
• Earn higher dividends
• Low minimum balance requirement ($500)
• Low monthly fee if you fall below minimum balance ($5.00)*
• Free Debit Card (for qualifying members), or ATM card (for all other members)

*You will only be assessed the fee ONCE during a month, no matter how many times you fall below it.