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Free Checking

Already a member? Log in to your Online or Mobile Banking for a quicker application under “Add a Share Account” from the “Additional Services” or “More” menus.

Relax! Truly free checking is just a click away. Plus, when you open a new checking account in June, we’ll give you a free trial of IdentityIQ – one of the nation’s most comprehensive fraud and identity monitoring programs.

Truly free checking paired with identity protection? What could be better!

We’ve come to find that folks are just looking for simple and easy when it comes to a checking account. No hoops, no monthly fees, and no confusing disclosures. That said, please meet our checking accounts:

Free Checking

What you get:

  • No monthly fee
  • No fine print

Free High Yield Rewards Checking

What you get:

  • No monthly fee
  • 1.50% APY on balances up to $10,000*
  • Refunds on ATM fees up to $5/month*
  • See fine print

How you get it:

  • eStatements and
  • 1 direct deposit, bill pay, or automatic (ACH) transaction per month* and
  • 15 debit card purchases per month*

Plus, all members get:

Open Online Now Membership Info

Already a member? Log in to your Online or Mobile Banking for a quicker application under “Add a Share”.

Questions? Contact us. We’d love to help.

Check out our quick educational videos for helpful tips!

the fine print

Must maintain a minimum $25 in a Primary Savings for the life of the account; this is your share of ownership in the credit union. Membership open to those that live, work, worship, own a business or attend school in Washoe County.

Free Checking Information: We were serious. There isn’t any fine print.

Rewards Checking Information:
Monthly Qualifications for Cash Back and High Yield Rewards:
  • Must elect to receive monthly statements electronically;
  • Must have a minimum of one (1) Automated Clearing House (ACH) credit or ACH debit post and clear the checking account during the month; and
  • Must have a minimum of fifteen (15) debit card transactions (excluding ATM transactions) post and clear the account during the month.
Even when qualifications are not met, there is no monthly fee. See fee schedule. 
*High Yield Checking:  APY = Annual Percentage Yield. When your qualifications are met during a month (1) balances up to $10,000.00 receive APY of 1.50%; and balances over $10,000.00 earn 0.05% interest rate on the portion of the balance over $10,000, resulting in a range from 0.05% to 1.50% APY depending on the account’s balance and (2) you will receive reimbursements up to $5.00 for nationwide (domestic) ATM fees incurred on your Rewards Checking account during that month in which you qualified. When qualifications are not met, all balances in the account earn 0.01% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your High Yield Checking account on the last day of the qualifying month. APYs accurate as of 03/01/2021. Dividends paid by using the average daily balance method. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information for Rewards Checking Accounts Account transactions and activities may take one or more days to post and settle to the account and all must do so during the calendar month in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. “Monthly Qualification Cycle” means one calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  No minimum deposit is required to open the checking account. At least 1 automatic payment (ACH) or direct deposit or bill pay transaction and enrollment of electronic statements are conditions of these accounts. Limit 1 Rewards Checking account per primary member Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Member Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.
+Free Cash Back Checking no longer offered on new accounts. For details about an existing Free Cash Back Rewards Checking, see the About Your Account Disclosure you received at time of opening.


Apply in 3 Steps

Already a member?

You can use your Online Banking login credentials for a simplified application process:

Not a Member Yet?

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