Free Checking PLUS+

Earn up to 3.00% APY1

A checking account that's not just free - it's Free Checking PLUS+.  This high-yield interest bearing account has no monthly fees and offers all the benefits of our FREE Checking account with up to $20 per month in ATM fee refunds.2

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You deserve more

More free. More easy. More money in your pocket. 
  • Earn up to 3.00% APY1 on your account balance
  • Receive up to $20 each month in ATM fee refunds2

Easy Monthly Qualifications3

  • 12 debit transactions
  • Direct deposit(s) of at least $400
  • Receive eStatements

Account features

Early Deposit™

With our Early Deposit service, you can get paid up to two days early!

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Free Mobile Banking

Easily manage your accounts from the palm of your hand anytime, anywhere. Mobile Banking offers mobile check deposit, bill pay, alerts and more!

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30,000 Surcharge-Free ATMs*

and over 5,600 Shared Branch Locations nationwide

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Anytime Access

At home or far away, you'll have secure access to your accounts 24/7 through a wide selection of online services.

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FREE Visa® Check Card

with Unlimited Transactions and Purchase Rewards

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Easy Money Transfers

We make it easy - and free - for you to transfer money whenever and wherever you want.

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Limit one account per member. Products subject to change. 1APY=Annual Percentage Yield. APR=Annual Percentage Rate. APY is accurate as of 5/13/19. Rates may change at any time. If your account meets all monthly qualifications, you will earn 3.00% APY (2.95% APR) on balances up to $10,000.00 and 0.10% APY (0.09% APR) on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY (0.04% APR) on the entire balance. Please refer to our Rate & Fee Schedule for additional information. 2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month. 3To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Check Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.
*Some ATM owners may impose a surcharge. Access to surcharge-free CO-OP® Network ATMs available with the Point Breeze Visa® Check Card only. Surcharge-free means the owners of the physical ATM will not charge a fee, but other fees may apply. Transactions are always free at Point Breeze ATMs when using a Point Breeze ATM or Check Card.