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Right down the line.
Online Banking

Checking Accounts that put your needs first.

Paying fees for a checking account is pretty counter-productive, don’t you think? In fact, if you carry a steady monthly balance we think we should be paying you. So how does up to 5.00% APY* sound? Do some research. We’re pretty sure you won’t find a yield like this anywhere else.

We also think checking should be convenient, so we throw in some fantastic mobile and online products to make your banking a breeze.

Checking & Savings

And, we give you choices with several different account types:

Relationship Checking
Student Checking
Minimum Balance Fees
Monthly Service Fee
Can be waived
Free VISA® Check/Debit Card

Another benefit of opening a checking account with us is our Shared Branch program. We give you access to more than 5,000 credit union locations***** across the U.S. where you can walk in and do business just as if you were standing across from us in our own branch. And you’ll be able to use 43,000 surcharge-free ATMs across the country for all your other financial needs. Wherever you go, we’re right down the line for you.

No matter which account you choose, you can get started with a small opening deposit of just $25.


APY=Annual Percentage Yield. 5.00% dividend is paid monthly on daily balances between $100 and $1,499. Other dividend tiers apply on daily balances between $1,500 and $24,999 (APY=2.00%) and daily balances over $25,000 (APY=0.15%). Yields effective as of April 1, 2015. Other terms and conditions apply. Please see our Truth in Savings disclosure for all details. Membership eligibility is required. A $10 Membership Account is required.


CU Power Checking is available to all members who have upgraded to CU Power Membership. There is no monthly service fee for CU Power Checking provided member logs in to mobile or online banking at least once monthly. If member fails to log in to either mobile or online banking in a month, a $10 service charge will be assessed to the account.


There is no monthly service fee when using Direct Deposit. Without Direct Deposit we charge a monthly service fee of $9.00.


On The Grid Financial does not charge a fee for the use of our Mobile Banking service. Depending on your service data plan, you may incur web charges. Check with your mobile service carrier to get more information.


On The Grid Financial is a member of the CO-OP Credit Union Shared Branching Network. Through this network, an On The Grid Financial member can access their OTGF accounts at more than 1,800 participating credit unions, with more than 5,000 branch locations nationwide.