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.

With every Unitus Checking account, you'll enjoy:

  • No Annual or Monthly Service Fee

  • Free Mobile Deposit

  • Mobile Wallet and Contactless Cards

  • Free Access to Over 30,000 ATMs

  • Manage Your Account 24/7 From Anywhere

  • Full Service Branch Locations

Free Access to Thousands of ATMs!

Use your Unitus Visa® debit or ATM card to withdraw funds fee-free at any of our branch locations or CO-OP Network ATM. Your Unitus membership also connects you to the Pulse Network, which has 400,000 ATMs nationwide.

Find the checking account that fits your lifestyle

Unitus Checking Interest Checking
Best if you want:A truly free checking accountA checking account that earns interest.
Unitus Rewards:Yes - $.05 for every purchase over $5.00 and earn 5.00%APY* on those funds1No
Earns Interest:NoYes - 4.00%APY*. See qualifications to earn rate.2
Minimum Daily Balance Requirement:NoNo
Opening Deposit:$50$25

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
Minimum Daily Balance Requirement: No
Opening Deposit: $50

Open an account

Interest Checking

Best if you want: A checking account that earns interest.
Unitus Rewards: No
Earns Interest: Yes - 4.00%APY*. See qualifications to earn rate.2
Minimum Daily Balance Requirement: No
Opening Deposit: $25

Open an account

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.

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Enroll in Unitus Rewards today

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.

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
Download on the App Store Get it on Google Play

Disclosures

*APY = Annual Percentage Yield

1Must enroll in Unitus Rewards Cash Back to start earning cash back and higher APY. Learn more about Unitus Rewards.

2To qualify for the higher interest rate on Personal Interest Checking you must have/do the following each month: 1. Enroll in eStatements, 2. Log into Digital Banking, 3. Have at least 15 purchase-debit card transactions post to the account, 4. Have a deposit (direct, ACH transfer, or other deposit) of at least $250. If all requirements are not met interest will be paid at the lower interest rate of the full balance.

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