Online Banking

Checking Accounts

Real free checking — no tricks, no fine print.¹

Checking, Savings, CD, and IRA Rates

Compare Checking Accounts

Free Checking

The simplest way to bank. No fees, no minimums, no catch.

  • No monthly maintenance fees

  • No minimum balance required

  • Free debit card with $100 opening deposit

  • Thousands of fee-free ATMs nationwide

  • Online & mobile banking with bill pay, mobile deposit, e-statements, and eAlerts

Interest-Bearing Checking

Earn dividends on your everyday balance.

  • Earns dividends on your balance

  • $5 monthly fee, waived with a $1,000 daily balance

  • Free debit card with $100 opening deposit

  • Thousands of fee-free ATMs nationwide

  • Online & mobile banking with bill pay, mobile deposit, e-statements, and eAlerts

Money Market Checking

Higher dividends for members who keep more on hand.

  • Earns dividends on balances of $2,500 or more

  • Online & mobile banking

  • Mobile check deposit, bill pay, e-statements, and eAlerts

Smart Benefits

Available with Free Checking or Interest-Bearing Checking

Qualify for Smart Benefits and automatically unlock perks that save you money:

  • Earn 1.90% APY** on the first $1,000 in your account

  • Save $15 on each Courtesy Pay overdraft fee

  • No annual fee on BIG Rewards credit card, IRAs, or lines of credit

How to qualify:

  • Enroll in e-statements

  • Receive at least one direct deposit per month

  • Use your North Coast credit or debit card at least once per month

Benefits adjust automatically based on your activity each month.

Fee-Free ATMs

Access your money without fees — wherever you are.

  • Deposit cash or checks at any North Coast branch ATM

  • North Coast ATMs dispense $1, $5, $20, and $50 bills

  • Thousands of surcharge-free ATMs across the country

Find an ATM Near You

Overdraft Protection

Courtesy Pay gives you a safety net when your balance runs short.

Learn more about courtesy pay

Lost or Stolen Card? We've Got You.

  • Lost/Stolen Cards & Fraud (24/7): 1-800-696-8830

  • Card Activation & PIN Selection: 1-833-998-4639

  • PIN Change: 1-877-267-6941

  • Mobile Wallet verification help: 1-833-964-1215

Sometimes extra verification is required when adding your card to a mobile wallet. If prompted, call the number above.

¹ No monthly maintenance fees for free checking accounts. No minimum balance required. Inactivity and overdraft fees may apply. Federally insured by NCUA.
** APY = Annual Percentage Yield. Rate applies to the first $1,000 in qualifying Smart Benefits accounts.