Checking Accounts
Everyday banking made easy.
Ditch the fees.
Keep the convenience.
Our checking accounts are built for real life—easy, secure, and designed around you.
- Get paid up to 2 days early!
- No monthly fees or minimum balance
- 24/7 online & mobile banking
- Fraud protection & custom alerts
Federally insured by NCUA. Proudly serving our local community.
Checking Benefits
No Hidden Fees
No monthly maintenance fees. No surprises.
Easy Access
Use your debit card, mobile app, or online banking anytime.
Local Service
Real people. Right here in your community.
Secure & Reliable
Your money is protected and always within reach.
Choose the Checking Account That Fits You
Basic Checking
- No monthly fee
- No minimum balance
- Free debit card
- Online & mobile banking
Youth Checking
- Built for kids ages 12–18
- Easy money management tools
- Great for first-time account holders
Features That Make Life Easier
Everything You Need, Right at Your Fingertips
Digital Banking & Convenience
- Pay bills and manage your money 24/7 with Online Banking
- Account alerts to help you stay on track
- Debit card controls for added security
- 24-hour phone access with Call 24
Everyday Spending Made Easy
- Unlimited check-writing with no per-check fees
- Free debit card for easy purchases
- Monthly statements with e-Statement option
Protection & Peace of Mind
- Overdraft protection from your Regular Share Account or Line of Credit Loan
- Real-time alerts and fraud protection to monitor your account activity
Access Anywhere
- Access to 30,000+ surcharge-free ATMs through the CO-OP Network
- Bank anytime, anywhere—online, mobile, or by phone
Choose Your Card Design
Pick a debit card that fits your style—featuring exclusive local scenes from Santa Rosa, Escambia, and Okaloosa Counties.
Order Your Checks Online
Take advantage of a variety of check designs. (Use routing number 263280939)
ORDER CHECKS