Checking

Learn more about our checking account options.

Woman using her phone to deposit a check

 

Whether you prefer a checking account with great rates and added benefits, or a value checking account with no fees or minimum balances - we’ve got you covered. Read on to discover the best checking account for you!

Open a Checking account

Learn about the benefits of these accounts:

High Yield Plus Checking  |  Value Plus Checking  |  Value Checking

Check Rates     Refer a friend

High Yield Plus Checking 

With our high interest checking account your balance earns dividends of 1.75% APY* on balances up to $10,000 and you are enrolled in the Member Plus Program, which offers extra benefits we know you'll enjoy!

  • $25 minimum opening deposit
  • Free online bill pay
  • E-Statements required
  • Direct Deposit required
  • Free debit cards
  • Must make 12 point of sale transactions a month totaling a minimum of $120
  • $6/month service fee
  • Amounts over $10,000 earn a lower dividend rate
  • 2 free foreign ATM** withdrawals per month

Back to Top     Check Rates     Open Account

*Annual Percentage Yield. Some restrictions apply including a minimum balance requirement.
** Foreign ATM transactions are any non-Cobalt ATM transactions. Does not include surcharge imposed by the owner of the ATM. 
Refer to account disclosure and rate sheet for details on fees and dividends, or contact us for details including eligibility, service description and associated charges.

Value Plus Checking

With our Value Plus checking account your balance earns dividends of 0.05% APY* and you are enrolled in the Member Plus Program, which offers extra benefits we know you'll enjoy!

  • $25 minimum opening deposit
  • Free online bill pay
  • E-Statements available
  • Direct Deposit available
  • Free debit cards
  • $6/month service fee
  • 2 free foreign ATM** withdrawals per month

Back to Top     Check Rates     Open Account

*Annual Percentage Yield. Some restrictions apply including a minimum balance requirement.
** Foreign ATM transactions are any non-Cobalt ATM transactions. Does not include surcharge imposed by the owner of the ATM. 
Refer to account disclosure and rate sheet for details on fees and dividends, or contact us for details including eligibility, service description and associated charges.

Member Plus:  Banking with Benefits

 

 

Member Plus accounts are not only dividend earning, but also enjoy many additional benefits including identity theft protection, mobile device coverage and mortgage closing discounts.

 Member Plus Plan Benefits

 

 

Value Checking

Our Value checking account is our free checking account with no monthly service fee.

  • $25 minimum opening deposit
  • Free online bill pay
  • E-Statements available
  • Direct Deposit available
  • Free debit cards
  • 2 free foreign ATM** withdrawals per month

Back to Top     Check Rates     Open Account

** Foreign ATM transactions are any non-Cobalt ATM transactions. Does not include surcharge imposed by the owner of the ATM. 
Refer to account disclosure  for details on fees, or contact us for details including eligibility, service description and associated charges.

Refer-a-friend

  

Refer a friend and you both get $50!*

Refer your friends and family to Cobalt Credit Union and when they open a qualified* new checking account you'll both be rewarded!

Learn More

 

*See offer details on the linked page or speak to a representative.

 

Get the most from your checking account

These bank account conveniences are available on all of our checking accounts.