Checking

Learn more about our three checking account options.

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.

All of our checking accounts feature a free debit card and can be used at over 25,000 fee-free co-op ATMs nationwide. Compare checking accounts or apply now.

Open your checking account.

Which account is right for you?

  High Yield Plus Value Plus Value
Opening Deposit $25 $25 $25
Unlimited Check Writing YES YES YES
Free Online
Account Access
YES YES YES
Free Foreign ATM Transactions* Two ATM fee
refunds per month
Two ATM fee
refunds per month
Two ATM fee
refunds per month
Dividend Earning Account YES YES NO
Monthly Account
Maintenance Fee
$6 $6 NO FEE

Access to
Member Plus Plan

YES YES NO
  Apply Apply Apply

Account Disclosures

Refer to account disclosure and rate sheet for details on fees and dividends, or contact a Financial Services Officer for details including eligibility, service description and associated charges.

* Foreign ATM transactions do not include Cobalt Credit Union transactions. Does not include surcharge imposed by the owner (other than Cobalt) Credit Union) of the ATM for Free Value or Prestige accounts.

Enjoy these free added benefits when you open an account with Cobalt Credit Union.

Paycheck direct deposit

Online bill pay

Convenient eStatements

24/7 access online and via phone

Account Conveniences

We make it easy to maintain your Cobalt Credit Union account.

Request a debit card.

Adding a debit card to your account is free and easy. Just fill out this form and return it to your branch.

Order new checks online.

Visit Deluxe Checking. You'll need your account number and our routing number: 304083448.

Find an ATM.

Use any of these ATMs for a surcharge-free transaction.

Report a lost or stolen card.

Contact us immediately, even after hours, if your debit card or credit card is missing.

Standard Overdraft Courtesy Plan

View our Standard Overdraft Courtesy Plan.

Card Valet

Protect your debit cards through your mobile device by receiving alerts and defining when, where and how your payment cards are used.

Learn More

Have questions about Cobalt Credit Union? Drop us a line.
Contact Us