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
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 |
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Fully Managed Identity Theft Recovery |
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Identity Theft Expense Reimbursement |
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Identity Monitoring Services with Alerts** |
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Mobile Phone Coverage* |
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Loan Discount - Consumer Loans*** |
0.50% |
0.25% |
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ATM Surcharge Reimbursement**** |
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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 |
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OPEN NOW |
OPEN NOW |
OPEN NOW |
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*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.