Credit Union Checking Survey results

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Bankrate surveyed 50 of the nation’s largest credit unions to find the best checking accounts.


Alaska USA Federal Credit Union (Anchorage, AK)

Convenience Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avo,id fee: N/A
  • Monthly service fee: $5 (Waived with direct deposit — must be set up within 60 days of opening; or $500 in any associated share or loan account; or if member is younger than 26 years old)
  • Nonsufficient funds fee: $20
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: AllPoint, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3

Alliant Credit Union (Chicago)

Free Basic Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, Credit Union 24, Credit Union Here, Allpoint, Bank of the West, Alliance One, Publix Presto
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3 (ATM surcharges at non-affiliate ATMs are reimbursed up to $20 per month.)

America First Federal Credit Union (Riverdale, UT)

Free Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $2.50
  • Note: Earns interest with balance of $500 or more; closed after 30 days without balance.

American Airlines Federal Credit Union (DFW Airport, TX)

Priority Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $2
  • ATM surcharge: $3
  • Note: Bonus APY of 2.27% (balances less than $5,000) & up to $20 in ATM refunds offered with 15 debit card transaction per month, a $250 direct deposit each month and a valid email address and online monthly statements; inactive fee $5 per month after 3 months

Bank-Fund Staff Federal Credit Union (Washington, DC)

Checking

  • Yield: 0.15%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network and AllianceOne Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3 (First 6 foreign ATM surcharges reimbursed when enrolled in eStatements; otherwise, $1.50)

BECU (Tukwila, WA)

Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $2.50

Bellco Credit Union (Greenwood Village, CO)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $31
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3

Bethpage Federal Credit Union (Bethpage, NY)

Bonus Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3
  • Note:  1% APY with direct deposit, enroll in online banking/e-statements and 10 point-of-sale transactions per month

Citizens Equity First Credit Union (Peoria, IL)

CEFCU Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, Money Center 24, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3

Delta Community Credit Union (Atlanta)

Checking

  • Yield: 0.03%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $35
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates:  CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3
  • Note: Earns interest with balance of $5,000 or more; APY tiered: $5K-$25K: .03%, $25K+: .05%

Desert Financial Credit Union (Phoenix)

Membership Checking

  • Yield: N/A
  • Minimum balance to open: $20
  • Minimum balance to avoid fee: $2,500
  • Monthly service fee: $7 (waived with direct deposit of $750+ per cycle; or 25+ transactions per cycle; or balance of $2,500)
  • Nonsufficient funds fee: $35
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: 2 (first two out of network ATM fees waived each month, then $2)
  • ATM surcharge: $4

DFCU Credit Union (Dearborn, MI)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $20
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3

Digital Federal Credit Union (Marlborough, MA)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, Allpoint, NYCE (over-the-counter transaction only);
  • Fee to use out-of-network ATM: $0.75*
  • ATM surcharge: $2*
  • Note: *N0 DCU fee to use out-of-network ATMs and up to $5 in foreign ATM surcharges reimbursed when two of the following requirements are met: e-statements, recurring direct deposit or have an active DCU loan.

Eastman Credit Union (Kingsport, TN)

Beyond Free Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30 (waived if overdraft is $5 or less)
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Allpoint Network
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $2.50
  • Note: Interest is tiered based on balance: 0.05% to 0.30%

Ent Credit Union (Colorado Springs, CO)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3

ESL Federal Credit Union (Rochester, NY)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $37
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Presto
  • Fee to use out-of-network ATM: $1.50 (five free non-ESL/Affiliate ATM transactions per month with direct deposit)
  • ATM surcharge: $2.50

First Tech Credit Union (Palo Alto, CA)

Carefree Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $28
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, 7-11 ATMs, Alliance One Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0 (six free non-First Tech ATM transactions per month, then $2)
  • ATM surcharge: $3

Hudson Valley Federal Credit Union (Poughkeepsie, NY)

Checking

  • Yield: 0.05%
  • Minimum balance to open: $5
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates:  Allpoint, CO-OP, Presto, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0 (15 free non-Hudson Valley ATM transactions per month, then $2)
  • ATM surcharge: $2.00

Kinecta Federal Credit Union (Manhattan Beach, CA)

Classic Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $1,500
  • Monthly service fee: $4.95
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $2
  • ATM surcharge: $3
  • Note: $2 per month for paper statements

Lake Michigan Credit Union (Grand Rapids, MI)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Allpoint Network
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $2.50

Logix Federal Credit Union (Burbank, CA)

Advantage Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $750
  • Monthly service fee: $3.95 ($5.95 with paper statements; waived with direct deposit of $250 or more per month or $750 minimum balance)
  • Nonsufficient funds fee: $29
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.95
  • ATM surcharge: $3

Members 1st Federal Credit Union (Mechanicsburg, PA)

Free Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $37
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP ATMs, CU$TOM ATM, PLUS ATMs (may encounter surcharge fee charged by the owner of PLUS ATMs)
  • Fee to use out-of-network ATM: Fee waived for first three uses, then $1.50
  • ATM surcharge: $3

Mountain America Federal Credit Union (West Jordan, UT)

MyFree Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network; CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $2.50
  • ATM surcharge: $3

Navy Federal Credit Union (Vienna, VA)

EveryDay Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $29
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP, Cash Points
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3 (ATM fees may vary by branch between $1-$3)

Northwest Federal Credit Union (Herndon, VA)

Choice Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32.50
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, Credit Union 24/Credit Union HERE, Alliance One, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3 surcharge for banks, $1 for other credit unions

OnPoint Community Credit Union (Portland, OR)

Basic Checking

  • Yield: N/A
  • Minimum balance to open: $50
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, MoneyPass ATMs
  • Fee to use out-of-network ATM: $2
  • ATM surcharge: $2

PATELCO Credit Union (Pleasanton, CA)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $10
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $28
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching, CO-OP Shared Branching Express (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.75
  • ATM surcharge: $1.75

Pennsylvania State Employee Credit Union (Harrisburg, PA)

Checking Account

  • Yield: 0.10%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CU$ Alliance, CO-OP, Sheetz, Rutter’s, Wawa
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $2.50 ($8 in ATM surcharges refunded per month; $20 if recurring direct deposit is set up)

Pentagon Federal Credit Union (Alexandria, VA)

Access America Checking

  • Yield: 0.20%
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $500
  • Monthly service fee: $10 (waived with $500 direct deposit each month)
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Allpoint, CO-OP
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3
  • Note: Earns 0.20% APY with balance of less than $20K; 0.50% APY from $20K-$50K; no interest earned on balances over $50K.

Police & Fire Federal Credit Union (Philadelphia)

Free PFFCU Checking

  • Yield: 1%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $19
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CU$ Alliance, CO-OP, Pennsylvania Credit Union Association Network, Wawa, 7-Eleven
  • Fee to use out-of-network ATM: $0 (12 free non-PFCU ATM transactions per month, then $1 each)
  • ATM surcharge: $0
  • Note: The first $5,000 held in a PFFCU checking account earns 1.00% APY. The remaining balance earns 0.10% APY. APYs are subject to change as determined by the PFFCU Board of Directors; 12 free non-PFFCU ATM transactions per month, then $1 each

Randolph-Brooks Federal Credit Union (Universal City, TX)

Really Free Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $24
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3

Redstone Federal Credit Union (Huntsville, AL)

Easy Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: N/A
  • Monthly service fee: $3 (waived with direct deposit or at least four debit card purchases per month)
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Presto, CO-OP, MoneyPass
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3

San Diego County Credit Union (San Diego, CA)

FREE Checking with e-statements

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network
  • Fee to use out-of-network ATM: $2
  • ATM surcharge: $0
  • Note:  $2 per month for paper statements

SchoolsFirst Federal Credit Union (Santa Ana, CA)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $22
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3

Security Service Federal Credit Union (San Antonio, TX)

Power Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32.50
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Stripes Convenience Store ATMs, Security Service, CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3

Space Coast Credit Union (Melbourne, FL)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $2.50
  • ATM surcharge: $3

Star One Credit Union (Sunnyvale, CA)

Free Checking

  • Yield: 0.25%
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $15
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: 7-Eleven, CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: 20 free out-of-network ATM transactions per month, then $1 each
  • ATM surcharge: $0

State Employees’ Credit Union (Raleigh, NC)

Checking

  • Yield: 0.25%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: N/A
  • Monthly service fee: $1
  • Nonsufficient funds fee: $12
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CashPoints and PLUS Network (North Carolina Only)
  • Fee to use out-of-network ATM: $0.75
  • ATM surcharge: $0
  • Note: No way to avoid monthly service fee

State Employees Federal Credit Union (SEFCU) (Albany, NY)

Really Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: AllPoint ATM Network
  • Fee to use out-of-network ATM: $1.25
  • ATM surcharge: $1.25

State Employees Credit Union of Maryland (SECU) (Linthicum, MD)

Standard Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: N/A
  • Monthly service fee: $5 (waived with direct deposit and online statements or 15 signature-based transactions per month or if you are less than 25 years old or over 70)
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: AllPoint, CO-OP Network
  • Fee to use out-of-network ATM: $1
  • ATM surcharge: $3

Suncoast Schools Federal Credit Union (Tampa)

Smart Checking

  • Yield: 0.05%
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $29
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Presto, CO-OP Network
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3

Teachers Federal Credit Union (Farmingville, NY)

Free Checking + Interest

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: AllPoint Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $1.75
  • ATM surcharge: $3
  • Note: Interest earned on balances over $2,500

The Golden 1 Credit Union (Sacramento, CA)

Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $29.50
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $2
  • ATM surcharge: $2

Tinker Federal Credit Union (Tinker Air Force Base, OK)

Classic Checking

  • Yield: N/A
  • Minimum balance to open: $25
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $22.50
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: ATMZone Network; TransFund NC, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $2

United Nations Federal Credit Union (Long Island City, NY)

Checking Account

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP, AllPoint
  • Fee to use out-of-network ATM: Eight free non-UN Federal Credit Union ATM transactions per month, then $1 each;) out-of-network ATM surcharges rebated up to $10 per month when enrolled in e-statements and $2,500 balance is maintained across all deposit accounts
  • ATM surcharge: $3

Visions Federal Credit Union (Endicott, NY)

FLEX CHECKING

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates:  CO-OP Network, CO-OP Shared Branching (over-the-counter transaction only)
  • Fee to use out-of-network ATM: Five free non-Visions ATM transactions per month, then $1 each
  • ATM surcharge: $3

VyStar Credit Union (Jacksonville, FL)

Regular Checking

  • Yield: 0.10%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $32
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Free to use ATMs at Target, Costco, Speedway, CVS, Walgreens and Duane Reade by Walgreens
  • Fee to use out-of-network ATM: $0
  • ATM surcharge: $3

Wescom Central Credit Union (Pasadena, CA)

Fee-Free Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: N/A
  • Monthly service fee: $8 (can be waived for Platinum Signature Members and Signature Members; new members for the first 90 days; members age 18 through 25 who are active eBranch users and who have opted out of paper statements; youth accounts; members age 60 and older; club and organization accounts; UCLA students age 18-25 who are active eBranch users and who have opted out of paper statements
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: CO-OP Network
  • Fee to use out-of-network ATM: $0.50
  • ATM surcharge: $3

Wings Financial Credit Union (Apple Valley, MN)

First Class Checking

  • Yield: 0.05%
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $30
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: Allpoint, CO-OP ATMs
  • Fee to use out-of-network ATM: 10 free non-Wings Financial ATM transaction per month, then $2.50
  • ATM surcharge: $3

Wright-Patt Federal Credit Union (Fairborne, OH)

Totally Fair Checking

  • Yield: N/A
  • Minimum balance to open: $1
  • Minimum balance to avoid fee: $0
  • Monthly service fee: $0
  • Nonsufficient funds fee: $25
  • Point-of-sale fee: $0
  • Debit card fee: $0
  • ATM affiliates: AllianceOne, CO-OP ATMs
  • Fee to use out-of-network ATM: $1.50
  • ATM surcharge: $3

Methodology: Bankrate.com surveyed checking accounts and their associated debit card and ATM fees at the 50 largest credit unions by deposits (shares) between April 2-20, 2018.