Free Online Checking Accounts

With our free online checking accounts there are no fees and no minimum balance. Just free checking—Period. Unitus Checking offers outstanding value and simple online convenience. Set yours up in minutes and get on with your day.

Unitus Rewards

You’re already using your debit card, now we want to reward you for that!

Get rewarded – Unitus Rewards savings accounts earn 5.00% APY^*
Make a debit purchase – We’ll put 5¢ into a Unitus Rewards savings account for every purchase of $5.00 and up.
Round up your change – Opt-in to round up your purchases.

Existing members: If you already have Unitus Checking you can add Unitus Rewards to your account right inside digital banking.

New members: To start earning rewards, simply open a Unitus Checking account with debit card, opt into eStatements, and enroll in Unitus Rewards.

[View descriptive video transcript]

Enroll in Unitus Rewards today

Find the checking account that fits your lifestyle

	Unitus Checking	Interest Checking
Best if you want:	A truly free checking account	A checking account that earns interest.
Unitus Rewards:	Yes - $.05 for every purchase over $5.00 and earn 5.00%APY^* on those funds¹	No
Earns Interest:	No	Yes
Annual Fee:	No	No
Monthly Service Fee:	No	$7.50 (waived with $500 min. daily balance)
Minimum Daily Balance Requirement:	No	$500
Access to 30K+ surcharge-free ATMs	Yes	Yes
Opening Deposit:	$50	$50
	Open an account	Open an account

Unitus Checking

Best if you want:	A truly free checking account
Unitus Rewards:	Yes - $.05 for every purchase over $5.00 and earn 5.00%APY^* on those funds¹
Earns Interest:	No
Annual Fee:	No
Monthly Service Fee:	No
Minimum Daily Balance Requirement:	No
Access to 30K+ surcharge-free ATMs	Yes
Opening Deposit:	$50
	Open an account

Interest Checking

Best if you want:	A checking account that earns interest.
Unitus Rewards:	No
Earns Interest:	Yes
Annual Fee:	No
Monthly Service Fee:	$7.50 (waived with $500 min. daily balance)
Minimum Daily Balance Requirement:	$500
Access to 30K+ surcharge-free ATMs	Yes
Opening Deposit:	$50
	Open an account

A debit card that does it all

Swipe anywhere Visa® is accepted
No overdraft fees when you link your savings account
Contactless payment options – Link your card to digital wallets like Apple Pay or Google Pay for fast and secure checkout
Turn your card on/off instantly, wherever you are, with Unitus Card Guard (iOS/Android).

I opened a checking account and gradually switched all my accounts to Unitus. I have the convenience of online banking, mobile deposits, and I can use an ATM at another credit union or 7-11 store with no fee.

JoAnn B., Member - Beaverton Branch

Access 24/7 digital banking and budgeting with our mobile app

A Unitus Visa® Debit card to use anywhere Visa is accepted
Link to digital payments like Apple Pay or Google Pay
Instant on/off debit card controls
Custom budgeting and savings goals

Online Banking