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
- 53,000 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
- 53,000 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
- 53,000 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 and MoneyPass networks, you now have access to over 53,000 ATM locations nationwide that are surcharge-FREE to our debit card users. Find a surcharge-free ATM near you!