total checking
The Total Checking account offers members even more benefits and features, including:
- Mastercard® Debit Card featuring Mobile Wallet
- Mobile Friendly – Free Mobile, Online and Text Banking
- Free Mobile App with biometric technology and
enhanced security - Bill Pay and Mobile Deposit
- 24-hour access to more than 30,000 CO-OP Network, Alliance One, and SUM surcharge-free ATMs nationwide
- Access to more than 5,000 CO-OP Network and Xtend Shared Branch locations nationwide
- Overdraft solutions available*
- Free online eStatements and check images
- Unlimited deposits and withdrawals
- Cellular Telephone Protection1
- Debit Advantage®
- Roadside Assistance Service1
- Identity Theft Expense Reimbursement Coverage1
- Comprehensive Identity Theft Resolution Services
- Debit and Credit Card Registration
- Credit File Monitoring
- Credit Report and Score3
- Credit Score Simulator3
- Credit Score Tracker
- Identity Monitoring
- Dark Web Monitoring
- Travel and Leisure Discounts
- Telehealth5
Members can enjoy all of these incredible services for just $5.95 a month. Plus, the monthly fee will be waived for accounts with a $5,000+ balance!
apply for total checking
Help protect your identity with the Total Checking account. Apply through Online Banking, stop by any of our branches, or call a Member Service Advisor at (800) 648-8035.
log in to total checking account benefits
Go to main navigation*$27.00 Overdraft fee applies for each NSF item paid. For our standard Courtsey Pay practices we do authorize and pay overdrafts for checks and automatic or reoccurring bill payments; however we do not automatically authorize and pay overdrafts on ATM or everyday debit card transactions, unless you give us consent. Members must repay Overdraft balance within 30 days. Courtesy Pay is a discretionary service, which means we pay overdrafts at our discretion and do not guarantee that we will always authorize and pay any type of transaction.
1Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certi?cate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
2Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3You will have access to your credit report and score provided your information has been verified by the CRA. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
5Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.