Share-Draft (Checking) Accounts


We now offer 3 different types of personal share-draft (checking) accounts.

Premium Checking – FREE with no minimum balance requirements. To qualify for Premium Checking, simply have the following each month:

  • Home Banking account
  • E-statements
  • Bill Payer with at least three bill payments per month OR at least four Visa® debit card transactions per month

Basic Checking – Low $8.95 per month fee with no minimum balance requirements
If you don’t meet the Premium Checking Account requirements during a monthly cycle, your account will automatically convert to a Basic Checking Account. Don’t worry – just meet the Premium requirements the next month and your account will go back to free.

Student Checking – Free with no minimum balance requirements for student members (ages 18-25). Simply meet these requirements:

  • Home Banking account
  • E-statements
  • At least three Visa debit card transactions per month

Checking for non-profit entities—FREE

Business Checking – Low $12 monthly fee if the average daily balance is under $7,500 in a calendar month

Visa Flex Debit Cards

The Visa Flex debit Card electronically makes payments for you, drawing money directly out of your account (saving or checking), directly to the store. When you carry Visa Flex Debit Card there is no need to fish out your checkbook and ID. Swipe the card, sign the purchase receipt and you’re on your way in record time, whether you are on the other side of town or the globe.

Visa Flex Debit also doubles as an ATM card to make routine ATM transactions such as cash withdrawals, account inquiries, balance transfers and more; you can even make deposits at the ATMs that accept them.

No more surcharge fees for using ATMs!!! All Credit Union members now have access to surcharge-free ATMs where you need them, when you need them through CO-OP Network. CO-OP Network ATMs are available in 25,000 convenient locations across U.S and Canada including 5,500 7-Eleven stores. To find a location near you, go to

Most importantly, Visa Flex Debit Card is safe and secure. If your card is ever lost or stolen, you’re fully protected from liability through the Zero Liability Policy, even when shopping online.

CardNavSM by CO-OP
New security and control for cardholders.

Introducing unprecedented, real-time control over your debit cards through your smartphone or tablet.

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to set personal spending limits that help you stay within your budget goals.

  • Turn cards on or off in seconds.
  • Use GPS to restrict transactions to businesses within a designated area.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set.

Download CardNav for Apple or Android