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Free Checking
Checking Plus
Monthly Fee
Free
 $9.00 fee waived with Direct Deposit or $1,500 average monthly checking balance
Minimum Balance
To waive monthly fee
Free
 Direct Deposit or $1,500 average monthly checking account balance
Visa® ATM & CheckCard
Yes
Yes
Kinecta Direct Online Banking
Free
Free
Online Bill Payment
Free
Free
Earns Dividends
No
Yes2
Check Writing

Unlimited
Free
Unlimited
Free
Kinecta CO-OP Network3 
ATM Transactions
Unlimited
free nationwide
Unlimited
free nationwide
Foreign4  ATM Withdrawals
$1.00 each
Unlimited
free nationwide
Check Orders
1st box free5
1st box free5
  1. Enrollment required
  2. Accrued daily, paid monthly
  3. More than 20,000 surcharge-free ATMs nationwide
  4. Financial institution other than Kinecta or CO-OP Network ATM
  5. Free initial check order (one (1) box of checks, corporate design)

Your savings federally insured to at least $250,000 and back by the full faith and credit of the United States Government.
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.