Checking Accounts

From essential checking with no monthly maintenance fee to feature rich checking packed with great benefits, we have a checking account that fits your lifestyle.

Smarter Checking

Offers reward points on debit card purchases, loan discounts and more - plus fully managed identity theft resolution and identity monitoring. In addition, your checking benefits include Cell Phone protection (up to $800) to help cover the repair or replacement of stolen or damaged cell phones, telehealth services, roadside assistance and more.

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Smart Checking

Offers reward points on debit card purchases, loan discounts and more - plus fully managed identity theft resolution and identity monitoring. In addition, your checking benefits include Cell Phone protection (up to $500) to help cover the repair or replacement of stolen or damaged cell phones, telehealth services, roadside assistance and more.

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Protect or to
register for monitoring

Simply Checking

Offers all of the essentials of a checking account with no minimum balance requirement and no monthly maintenance fee.

Fresh Start Checking

Designed to help rebuild your financial record. If you have been turned down for checking accounts due to credit problems, Fresh Start Checking may be able to give you that second chance you need - includes fully managed identity theft resolution and identity monitoring along with helpful lifestyle benefits.

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Protect or to
register for monitoring

Student Checking

Available for ages 13 to 17. Offers all of the essentials of a checking account with no minimum balance requirement and no monthly maintenance fee.

*Benefits are available to personal checking account owner(s), and their joint account owners. See account information for full details of coverage and exclusions.
** Loan Discounts do not apply to promotional rates, credit cards and mortgage loans.
*** ATM Surcharge Reimbursement limited to 1 per month. Reimbursement restricted to McCoy’s foreign ATM surcharge only - $1 for balance inquiry or $2 ATM use.