Checking

No Strings Free Checking – No minimum balance, no monthly service fee, no per check charges, no direct deposit required, first order of checks FREE


Checking with Interest –  First order of checks FREE, earn interest*, no per check charges, avoid the $4 monthly service fee by keeping a minimum daily balance of just $300 or by having direct deposit


Scholar Checking – For members who are aged 13-23, no monthly service fee, earn interest*, no per check charges, FREE personalized checks


Educator Account – For employees of Wayne, Appling, Liberty, Long, Jeff Davis and Bacon County Board of Education.  No minimum balance, no per check charges, no direct deposit required, FREE personalized checks, FREE cashier checks, FREE money orders, half a percent discount on most consumer loans**, one forth a percent premium on advertised certificate rates, no closing cost on Home Equity loans, $100 off Mortgage closing cost


Freedom Checking for Seniors - For members age 55 and older, no monthly service fee, earn interest*, no per check charges, FREE personalized checks, FREE cashier checks, half a percent discount on most consumer loans**, one forth a percent premium on advertised certificate rates, FREE money orders


Renew Checking - For members who normally would be unable to open a checking account. Unlimited check writing, no direct deposit required, first order of checks FREE, monthly service fee applies.


These checking features apply to all of our Checking Accounts:

  • Access to a shared network of No-fee credit union ATMs nationwide via CU HERE® and CU 24® systems
  • Access to a shared network of branches nationwide via Co-Op Shared Branching
  • FREE Internet Banking access
  • Bill Pay Services
  • FREE Statements Online
  • FREE Notices Online
  • FREE Mobile Banking
  • FREE Account access through Telephone Banking, our 24-hour telephone response system
  • FREE VISA® Debit Card
  • Pre-authorized automatic drafts (no charge)
  • FREE Overdraft protection with savings or a pre-approved line of credit
  • Consolidated monthly statements
  • Direct deposit (optional)
  • Wire transfer of funds to an outside account
  • Stop payments
  • Complimentary financial counseling, budgeting services, and financial education tools via our BALANCE Financial Fitness Program

Please see our Fee Statement for any applicable fees, or contact us for more information about our checking accounts.

*A minimum average daily balance of $300.00 is required to earn interest.  Dividends are compounded and credited  monthly.  The dividend period is a calendar month.

**The member’s loan rate will not be lower than the credit union’s floor rate.

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