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.
With our High Yield Plus Checking account your balance earns dividends of 2.24% APY* on balances up to $10,000 and you are enrolled in the Member Plus Program
All of our checking accounts include direct deposit, online bill pay, convenient e-statements, and 24/7 access online and via phone. Member Plus offers extra benefits we know you'll enjoy!
Learn More About Member Plus Plan Benefits
More details on High Yield Plus Checking...
- Open an account with as little as $25
- E-Statements required
- Direct Deposit required
- Free debit cards
- Must make 12 point of sale transactions a month totaling a minimum of $120
- Unlimited transactions
- $6/month service fee
- Amounts over $10,000 earn a lower dividend rate
- 2 free foreign ATM withdrawals per month
*Annual Percentage Yield. Some restrictions apply including a minimum balance requirement.
Which account is right for you?
| High Yield Plus | High Yield | Value Plus | Value | |
|---|---|---|---|---|
| Dividend Earning Account | 2.24% APY* | 2.01% APY* | 0.05%APY* | • |
| Member Plus Benefits | ✓ | • | ✓ | • |
| Free Online Bill Pay | ✓ | ✓ | ✓ | ✓ |
| Free Foreign ATM Transactions** | 2 ATM fee refunds/month |
2 ATM fee refunds/month |
2 ATM fee refunds/month |
2 ATM fee refunds/month |
| 25,000+ Free Co-op ATMS | ✓ | ✓ | ✓ | ✓ |
| Low Opening Deposit | $25 | $25 | $25 | $25 |
| Unlimited Check Writing | ✓ | ✓ | ✓ | ✓ |
| Free Online Account Access |
✓ | ✓ | ✓ | ✓ |
| Direct Deposit | Required | ✓ | ✓ | ✓ |
| Video Banking | ✓ | ✓ | ✓ | ✓ |
| Monthly Account Maintenance Fee |
$6 | $6 | $6 | No Fee |
| Apply | Apply | Apply | Apply |
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.
*Annual Percentage Yield. Some restrictions apply including minimum balance requirements.
** Foreign ATM transactions are any non-Cobalt ATM transactions. Does not include surcharge imposed by the owner of the ATM.
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