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Checking Accounts

Advantage Checking

Advantage Checking includes eClub benefits and discounts like identity theft service, cell phone replacement coverage, shopping or travel discounts, theme park or entertainment specials, extended warranty coverage and more. Activate benefits and discounts by entering  your Access Code issued at account opening. For help with activation, call (928) 783-8881. To inquire about benefits contact eClub at (866) 210-0361 M-F 8:30-5:30pm EST. 


Basic Checking

Basic Checking includes essential checking services such as unlimited check writing, online banking and bill pay, direct deposit, a Visa® Debit Card, Courtesy Pay and more. Enjoy NO FEE checking with Basic Checking when the following monthly requirements are met:


Monthly minimum (aggregate) $400 direct deposit of paycheck, social security or other recurring check and one of the following: 

        • 30 or more debit card non-PIN transactions per month, OR
        • $15,000 in aggregate loan, credit card, and mortgage balances, OR
        • $1,500 or more minimum balance in Basic Checking account 

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Unlimited check writing Yes Yes
No per check fees Yes Yes
Online Banking, Mobile Banking1 & Bill Pay Yes Yes
Tellerphone Yes Yes
Direct Deposit Yes Yes
Visa® Debit Card with PIN personalization Yes Yes
Earns Interest Yes --
Access nearly 30,000 CO-OP Network
surcharge-free ATMs
Yes Yes
Minimum deposit to open account $25 $25
Monthly service charge $7 $5
Waived when requirements met
IDProtect Service2:
     Identity Theft Expense Reimbursement Coverage3 Yes --
     Comprehensive Identity Theft Resolution Services Yes --
     Debit and Credit Card Registration* Yes --
     3-in-1 Credit File Monitoring* Yes --
     3-in-1 Credit Report* Yes --
     Total Identity Monitoring* Yes --
Debit AdvantageTM Buyers Protection & Extended Warranty3 Yes --
Cellular Telephone Protection3 Yes --
Accidental Death and Dismemberment Insurance3 Yes --
$hopping RewardsTM* Yes  --
Travel and Leisure Discounts* Yes --
Health Discounts (not insurance)* Yes --

Activate Benefits   Order Checks    Current Rates


For more information about eClub benefits, visit eClub or call 866.210.0361 M-F 8:30 - 5:30pm Eastern. 


Get Started Today!

Open an Account


*Registration and activation required.
**$7 monthly service fee applies for Advantage Checking. Minimum deposit $25 to open account. Interest-earned on the daily balances $500 or greater. Fee may reduce earnings. Please see fee schedule for applicable fees. Certain restrictions apply.
***$5 monthly service fee for Basic Checking is waived with monthly minimum (aggregate) $400 direct deposit (ACH), plus one of the following:
     - 30 debit card non-PIN transactions per month, OR
     - $15,000 in aggregate loan, credit card, and mortgage balances, OR
     - $1,500 or more minimum daily balance in Basic Checking account 
Minimum deposit $25 to open account. For each month the qualifying relationship requirement is not met, a $5 monthly service fee will apply. Please see fee schedule for applicable fees. Certain restrictions apply.

1 Wireless carrier fees may apply.
2 IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance products are not a deposit; are not NCUA insured; are not insured by any federal government agency; are not guaranteed by credit union or any credit union affiliates.

Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS 746414 .
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