Just look at the advantages of a credit union checking account:

• No monthly service charges or per-check fees.
• Dividends earned on accounts with average daily balances of $1,000 or more.
• Free overdraft protection is available.
• As an added measure of protection to your personal checking account. Courtesy Pay* may cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft trans-action.
• Payroll deduction/direct deposit accepted from participating employers.
• Personalized duplicate style checks allow automatic, on-the-spot record-keeping.
• Automatic check safekeeping.
• Itemized monthly statements.
• Visa Check Card available for check-free convenience at participating merchants or use it as an ATM card at participating ATMs.
  • up to 12 free withdrawals per month at any CO-OP, Cirrus, Pulse, Plus, or Visa ATM.
  • Pay for goods and services wherever Visa is honored -
    over 12 million merchants worldwide!
  • Get cash or make other transactions at ATMs
  • Get cash advances at financial institutions around the world
• Easy ATM card access with up to six free withdrawals per month at any CO-OP, Cirrus, or Pulse ATM.
• No regular minimum balance required.

*Subject to approval and/or eligibility.