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Free Online Checking Account? Check.

man in coffee shop

No fees, no minimum balance. Free checking. Period. Unitus Checking offers outstanding value and simple online convenience. Set yours up in minutes and get on with your day.

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

Find the checking account that fits your lifestyle

  • Best if you want:
    Best if you want:
  • Earns Interest:
    Earns Interest:
  • Annual Fee:
    Annual Fee:
  • Monthly Service Fee:
    Monthly Service Fee:
  • Minimum Daily Balance Requirement:
    Minimum Daily Balance Requirement:
  • Access to 30K+ surcharge ATMs
    Access to 30K+ surcharge ATMs
  • Opening Deposit:
    Opening Deposit:

Unitus Checking

  • Best if you want:
    A truly free checking account
  • Earns Interest:
    No
  • Annual Fee:
    No
  • Monthly Service Fee:
    No
  • Minimum Daily Balance Requirement:
    No
  • Access to 30K+ surcharge ATMs
    Yes
  • Opening Deposit:
    $50

Interest Checking

  • Best if you want:
    A checking account that earns interest
  • 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 ATMs
    Yes
  • Opening Deposit:
    $50

Rewards Checking

  • Best if you want:
    A checking account that pays you
  • Earns Interest:
    Yes
  • Annual Fee:
    No
  • Monthly Service Fee:
    No
  • Minimum Daily Balance Requirement:
    $0
  • Access to 30K+ surcharge ATMs
    Yes
  • Opening Deposit:
    $50

Interest Checking

Open an Account

Tier

Interest

APY*

$0 – $24,999.99

0.01%

0.01%

$25,000 or more

0.01%

0.01%

*APY = Annual Percentage Yield. Rates effective as of November 1, 2020. Disclosures (PDF)

A debit card that does it all

  • Swipe anywhere Visa® is accepted
  • No overdraft fees when you link your savings account
  • Tap to pay and fee-free cash withdrawals at over 30,000 ATMs nationwide (200 in and around Portland)
Woman making an online payment using her phone.

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

Woman making an online payment using her phone.
  • 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

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