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February Picks for Free Checking at Credit Unions

by on February 3, 2013

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Free checking is something everyone can appreciate. A checking account without monthly maintenance fees or minimum balance requirements means a huge weight off your shoulders. Even if money is a little tight, it doesn’t matter if your balance is low because there are no fees.

Sometimes You Get Extra Stuff, Too

Free checking is always free, but some free checking accounts come with extra stuff for you to enjoy. You get a free debit/ATM card, and many credit unions will offer access to a huge network of free ATMs nationwide. Some credit unions will even offer perks like rewards programs, free checks or limited free access to foreign ATMs. Don’t miss out! Take a look at some of these free checking accounts at credit unions across the country.

Basic Checking – Charlotte Metro Credit Union (Charlotte, NC)

Basic Checking at Charlotte Metro Credit Union may have “basic” in the name, but the account offers more perks than you might expect. Unlimited check writing, a free ATM/debit card, and free online banking and bill pay make for a very accessible account. Automatic overdraft protection from your Share Account means you have a safety net if your checking account balance falls negative. Give yourself a break with Basic Checking. Charlotte Metro Credit Union has 8 Charlotte area locations. Membership is open to people who live, learn, work or worship in Mecklenburg County, North Carolina.

Free Liberty Checking – Tri-Co Federal Credit Union (Randolph, NJ)

Free Liberty Checking at Tri-Co Federal Credit Union is designed to remind you that there is a lot to love about checking. The account comes with a free MasterCard check card with UChoose Rewards that earns points for every purchase. You also get free online banking available 24/7 and free CheckFree bill payer. Tri-Co Federal Credit Union has 5 locations in Central and Northern New Jersey, and membership details can be found here.

Free Checking – Mid-Hudson Valley Federal Credit Union (Kingston, NY)

Free Checking at Mid-Hudson Valley Federal Credit Union stands out for offering access to over 60,000 ATMs worldwide through participation with the CU24, CO-OP, SUM and Publix Supermarkets networks. The account offers no per-check fees, e-statements, a debit card and a 0.25% consumer loan reduction with auto pay. And for an optional $3.95 a month, you can get access to a perks package that includes consumer discounts and identity theft protection. Even without the perks package, you get a very functional, easy and free checking account. Mid-Hudson Valley Federal Credit Union has 11 locations in Eastern New York, and membership is open to residents of Ulster, Orange and Dutchess counties, New York.

Full-Service Checking – CINFED Credit Union (Cincinnati, OH)

Full-Service Checking at CINFED Credit Union really offers you a full range of services. You get a free debit card, 50 free checks and all of these are unlimited: checking, debit card transactions, withdrawals and deposits. If you like, you can set up direct deposit to have your paycheck automatically added to your account. CINFED Credit Union has 4 locations in Cincinnati, Ohio, and 3 in Northern Kentucky. Membership details can be found here.

Simply Free Checking – Wasatch Peaks Credit Union (Ogden, UT)

The Simply Free Checking account at Wasatch Peaks Credit Union comes with perks like a free VISA check card, home banking and bill pay. Plus, you’ll earn interest on balances over $500. That’s right, even your free checking account, with no minimum balance requirements or monthly maintenance fees, earns interest when your balance reaches $500. Simply Free Checking is, quite simply, an awesome checking account. Wasatch Peaks has 6 locations in the Greater Ogden area, Utah, and membership is open to residents of Weber, Davis or Morgan counties, Utah.

Simply Checking – BCU (Vernon Hills, IL)

If you want a basic checking account, but you’d also like some rewards, Simply Checking at BCU is the account for you. You get the hassle-free experience of free checking, in addition to access to the CURewards program. With CURewards, you get 1 point for every $2 spent in signature-based transactions. On top of that, the account offers mobile banking and the ability to deposit your checks with your smartphone or computer with Deposit Anywhere. BCU has locations in 11 states and Puerto Rico. Membership details can be found here.

HCU Free Checking – Holyoke Credit Union (Holyoke, MA)

Holyoke Credit Union helps you own your checking experience with HCU Free Checking. For a low minimum deposit of $10, you get a free HCU MasterMoney debit card that offers rewards for signed purchases, mobile banking, and unlimited check writing and ATM withdrawals. And if you sign up for direct deposit, Holyoke will give you a $100 bonus! Holyoke Credit Union has locations in Holyoke, West Springfield and Agawam, Massachusetts. Membership is available to residents of Hampden or Hampshire counties, Massachusetts.

Access Checking – NMTW Community Credit Union (Lowell, MA)

NMTW checking accounts are flexible and convenient for every kind of consumer. Every account offers a free VISA debit card, free online banking and bill pay, and access to thousands of free ATMs nationwide. Access Checking is their free checking account, and it gives you 8 free withdrawals a month at any SUM or CO-OP ATM, and your first box of checks is free. NMTW Community Credit Union has locations in Lowell, Haverhill, Framingham and Danvers, Massachusetts. Membership is open to residents of Essex and Middlesex counties, Massachusetts, in addition to some cities in Norfolk and Worcester counties, Massachusetts, and Rockingham and Hillsborough counties, New Hampshire.

Your Choice Checking – Meriwest Credit Union (San Jose, CA)

If you like a free checking account with added perks, make it Your Choice Checking at Meriwest Credit Union. You get free unlimited debit transactions, a free Meriwest ATM or VISA debit card, and free online banking and mobile banking. You get 3 free foreign ATM transactions a month if you sign up for direct deposit or have $750 or more in your account. If you like, you can upgrade your account for a small fee each month to get access to more perks. Meriwest Credit Union has 9 locations in the California South Bay Area and 2 locations on the California Peninsula. Membership is open to residents of Santa Clara, Alameda, Contra Costa, San Mateo and San Francisco counties, California, and Pima County, Arizona.

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