Checking Accounts

NCCU offers several types of checking accounts to fit your lifestyle:  

Read our checking account brochure for more information.

Green Checking

Green Checking is a FREE checking account designed for people who use electronic banking and debit cards*, so it makes sense to sign up right away! Why should you make the switch? Everyone likes free stuff, and that’s exactly what you get with a Green Checking Account.

Account Details

  • FREE ATMs nationwide for your debit card
  • No monthly service fee
  • No minimum balance
  • FREE Online Banking
  • FREE Mobile Banking with our NCCU Mobile App
  • FREE eStatements
  • FREE Debit Card with Overdraft Protection*
  • First five (5) checks per month are free**

*Overdraft Protection available with approved credit. **After 5 written checks, your account will be charged $0.50 per check.

Millennium Checking

Millennium Checking is an interest-bearing account that earns interest when you maintain a high minimum balance.

Account Details

  • FREE ATMs nationwide for your debit card
  • No monthly service fee (if balance stays above $1000, otherwise $10/month)
  • $1000 minimum balance
  • FREE Online Banking
  • FREE Mobile Banking with our NCCU Mobile App
  • FREE eStatements
  • FREE Debit Card with Overdraft Protection*
  • UNLIMITED check writing
  • Interest-bearing account**

*Overdraft Protection available with approved credit. **Interest earned based on your average daily balance above $1000 and whether account balance stays above the required $1000 minimum balance.

Classic Checking

If you like to write checks and need to get paper statements, Classic Checking could be the right choice for you.

Account Details

  • FREE ATMs nationwide for your debit card
  • $5 monthly service fee
  • No minimum balance
  • FREE Online Banking
  • FREE Mobile Banking with our NCCU Mobile App
  • FREE eStatements
  • FREE Debit Card with Overdraft Protection*
  • UNLIMITED check writing

*Overdraft Protection available with approved credit.

Features for All Accounts

Overdraft Line of Credit

Never worry about bouncing a check again with our low interest rate overdraft line of credit (see loan rates for current APR). Plus, have access to a quick short-term loan whenever you need it. We offer lines of credit as high as $1,500 on approved credit (OAC).

Mastercard Debit Card

Available with our checking accounts. Read our Debit Card information for more details. To obtain Courtesy Overdraft coverage, you must opt-in to have this feature for your debit card.

Online Banking

Online Banking services are FREE with all checking accounts.

Reorder Checks

Please Contact Us to reorder checks.

Online ATM Locator

As a member of the Co-Op network, you now have access to over ATM locations nationwide that are surcharge-FREE to our debit card users. Find a surcharge-free ATM near you!


We will be closed Thursday, November 26, 2020 for Thanksgiving.CLICK HERE FOR AN IMPORTANT COVID-19 UPDATE ABOUT OUR LOBBY OPERATIONS