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 recovery services and an entitlement to robust credit monitoring from NXG Protect. In addition, this includes Mobile Phone Coverage from NXG Mobile - insurance coverage for your device’s repairs or replacement due to accidental damage, mechanical failure or theft.

Learn more about NXG Protect or to register for monitoring

Learn more about NXG Mobile

Smart Checking

Offers reward points on debit card purchases, loan discounts and more - plus fully-managed identity theft recovery services and an entitlement to robust credit monitoring.

Learn more about NXG 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 recovery services and an entitlement to robust credit monitoring with NXG|Protect.

Learn more about NXG 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.

Compare Checking Accounts

Checking Accounts	SMARTER	SMART	SIMPLY	FRESH START	STUDENT
Monthly Maintenance Fee	$8	$5	$0	$10	$0
Included Benefits
Visa Debit Rewards
Fully Managed Identity Theft Recovery
Identity Theft Expense Reimbursement
Identity Monitoring Services with Alerts**
Mobile Phone Coverage*
Loan Discount - Consumer Loans***	0.50%	0.25%
ATM Surcharge Reimbursement****
Official Checks/Money Orders	FREE	FREE	$1	$1	FREE
Notary Services	FREE	FREE	$5	$5	N/A
Draft Stop Payment	FREE	FREE	$25	$25	FREE
Spend-2-Save (optional service)	FREE	FREE	FREE	FREE	FREE
Paper Statement Option	FREE	$3/Month	$3/Month	$3/Month	FREE
	OPEN NOW	OPEN NOW	OPEN NOW

*The primary account holder can file a claim for any phones owned by them. For additional details about the services, including terms, conditions, and limitations, please visit mccoy.nxgstrategies.com.
**MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. For additional details about the services, including terms, conditions, and limitations, please visit mccoy.nxgstrategies.com.
*** 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.