Our Access Account embraces only the best features of a traditional checking account. Use your Access Visa® debit card to swipe, tap or sign for purchases. Access is enabled for Apple Pay® and Samsung Pay®, and you can send money to others using their email or phone number via Zelle®. Plus, there’s no overdraft fees, ever.
Do things your way with our Access Account. Open an account today!
- Apple® & Samsung Pay® Ready
- Zelle® - Pay anyone via phone or email for free
- Free Access to 30,000 ATMs Nationwide
- No Overdraft Fees
All of the convenience
of a Visa debit card
Free Online and
None of the limitations
of a prepaid card
See Latest Checking Video
*Purchases made with the Access Account debit card will be rejected if there are insufficient funds in the account. Some merchants such as gas stations, restaurants, hotels, and rental car agencies do not initially authorize the full amount of the purchase. This may cause the transaction to be force posted to the account even if there are insufficient funds when the full amount of the transaction posts to your account. Your account will not be charged a non-sufficient funds fee but may go into a negative status. You will be responsible for paying any overdrawn amount. This account cannot be linked to overdraft sources or courtesy pay. Personal checks are not allowed with this account. Other restrictions and conditions may apply. See disclosure for complete details.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle. Data charges may apply. Check with your mobile phone carrier for details.
30,000 ATMs Nationwide are part of the CO-OP Shared ATM Network.