Flagship Checking

For members who carry a higher balance and are looking for additional value from their checking product.

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If you regularly maintain a higher balance and are looking to earn a monthly dividend along with Connection Points™ with our Rewards credit card, the Flagship Checking account is the right fit.

Flagship Checking Features

  • No monthly service fees with a $750 minimum daily balance*
  • One Connection Point for every $3.00 spent when you carry our Rewards credit card
  • Monthly dividend
  • Eight (8) free withdrawals each month at non-network ATMs

* See our Rate & Fee Schedule for more information.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more

Access our calculators

Order Checks

Manage your existing Prepaid Travel card

Flagship Checking Features

  • No monthly service fees with a $750 minimum daily balance*
  • One Connection Point for every $3.00 spent when you carry our Rewards credit card
  • Monthly dividend
  • Eight (8) free withdrawals each month at non-network ATMs

* See our Rate & Fee Schedule for more information.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Checking Account Features

  • Mobile wallet payment options
  • Zero liability for unauthorized debit card transactions ²
  • 24/7 debit card fraud monitoring
  • Unlimited surcharge-free access to CO-OP ATMs
  • Overdraft Protection Options
Checking Comparison



Monthly Service Fee
Waived with minimum balance*
No
No
APY up to
.50%*
2.27%*
No
ATM Refunds
First 8 free*
Yes*
Yes*
Connection Points
Yes
No
No

APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

We also offer a low monthly service fee account for a second chance. Explore Ascend Checking.

Checking Comparison


APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

We also offer a low monthly service fee account for a second chance. Explore Ascend Checking.

EDUCATION

Helping Them Out

One of the biggest challenges facing college kids is managing their own money. For many young people, this is their first time acting without the complete oversight of their parents.

Read more about young adult financial challenges

Graduating? Here's How to Become Financially Independent

If you’re embarking on that walk across the graduation stage to get your degree — congratulations! Whether you’re headed toward the job market, more training or some other avenue, financial independence is closer than it was before. Not all college grads achieve it right away — Zillow reports an “explosion” in the number living with parents — but it’s something to aim for. 

Read more about becoming financially independent

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"I appreciate the interest earned on my checking account balance. I think it's a good deal for the rates they offer. And I appreciate the reimbursements for ATM fees when you meet basic requirements."

Ursula, member since 2006

Read More Member Stories

¹ Message and data rates may apply. Check with your mobile provider.

² Zero Liability Policy does not apply to ATM transactions, to PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.

Visa is a registered trademark of Visa International Service Association.

CO-OP ATMSM is a mark of CO-OP Financial Services.