Checking Accounts

We've Got You Covered

Our checking accounts make it easy to manage your money your way! Whether you’re looking for a simple account for everyday spending, you want to earn dividends, you need flexible checking, we’ve got you covered. Explore our options below to find the best fit for your financial goals.

Instep CU Checking Accounts

Instep Rewards Checking

Get rewarded for everyday spending*

Cash back on debit card purchases, up to $12*
Unlimited ATM fee refunds, nationwide
Get paid one day early*
No monthly service fee, no minimum balance required

OPEN A REWARDS CHECKING ACCOUNT

Patriotic Checking

Exclusive benefits for members age 55+

1.01% APY on balances up to $149,999.99
No monthly fees or minimums
Unlimited check writing with one free box of checks annually
Free paper statements
Get paid one day early*

OPEN A PATRIOTIC CHECKING ACCOUNT

Freedom Checking

Everything you need for simple checking.

No monthly fees or minimums
No qualifications to meet
Get paid one day early*

OPEN A FREEDOM CHECKING ACCOUNT

United Checking

Earn more with your everyday checking.

Earn up to 1.01% APY*!
1.01% APY on balances up to $149,999.99
No monthly fees or minimums
Get paid one day early*

OPEN A UNITED CHECKING ACCOUNT

Checking Account Disclosures

Freedom Checking:

Instep Rewards Checking:

*Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Eligible direct deposits include payroll, pension, and government benefits made through the Automated Clearing House (ACH) to your personal account. We generally make these funds available on the day we receive the payment file, which may be up to a day earlier than the scheduled payment date. Other types of deposits, such as person-to-person payments, checks, mobile deposits, and online transfers, are not eligible for early direct deposits. Minimum deposit of $5.00 to open an account. Dividends are calculated on a daily balance method and are compounded and credited monthly. To qualify for up to a maximum of $12 dollars a month, the following qualifications must be met within each month: 1. Make 15 debit card purchases (non-ATM) that post and settle to your account before the last day of each month. Members can fulfill the 15 debit card purchase requirements with a variety of transactions, including: both in-person and online transactions, swipes/taps-to-pay, one-time or recurring transactions, and tokenized transactions. 2. Receive direct deposit or ACH credit transactions. 3. Enroll in eStatements and must login to online banking monthly. Qualifying transactions must post to and settle to the Instep Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means the first day of the month to the last day of the month. Fees could reduce earnings. Membership eligibility required.

Patriotic Checking:

*APY= Annual Percentage Yield. Effective Date: 10/17/2026. Advertised APY of 1.01% is highest for Patriotic accounts and applies to accounts with minimum balances of $5.00 and above. Patriotic account dividends are paid monthly on minimum balances of $5.00 and above. Fees could reduce the earnings on the account.

United Checking:

*APY= Annual Percentage Yield. Effective Date: 10/17/2026. Advertised APY of 1.01% is highest for United accounts and applies to accounts with minimum balances of $5.00 and above. United account dividends are paid monthly on minimum balances of $5.00 and above. Fees could reduce the earnings on the account.