Checking that pays you first.
No monthly fee, no minimum balance, and your direct deposit lands up to two days early.
Why members switch
Everything included, nothing to opt out of.
Paid two days early
Direct deposit posts the moment your employer sends it, not on payday.
$0 monthly, $0 minimum
No maintenance fee and no balance to keep up. That is the whole policy.
Overdraft that forgives
Go up to $50 over with no fee, and get 24 hours to bring it back.
Round-ups
Spare change that saves itself.
Every card purchase rounds up to the next dollar and sweeps the difference into savings. Members save about $38 a month without thinking about it.
Turn it off, double it, or point it at a named goal from the app.
- Round up to $1, $2 or $5
- Pause any time
- Goals with names, dates and amounts
Compare
Pick the account that fits.
All three come with a Copper debit card, free ATMs across the CO-OP network, and the mobile app.
| Feature | Everyday |
|---|---|
| Monthly fee | $0 |
| Minimum to open | $0 |
| Early direct deposit | Up to 2 days |
| Overdraft cushion | $50, no fee |
| Dividends | None |
Monthly fee
- Everyday
- $0
Minimum to open
- Everyday
- $0
Early direct deposit
- Everyday
- Up to 2 days
Overdraft cushion
- Everyday
- $50, no fee
Dividends
- Everyday
- None
| Feature | Kasa |
|---|---|
| Monthly fee | $0 with $500 direct deposit |
| Dividends | 1.25% APY up to $15,000 |
| ATM refunds | Up to $20 / month |
| Early direct deposit | Up to 2 days |
| Paper statements | Free |
Monthly fee
- Kasa
- $0 with $500 direct deposit
Dividends
- Kasa
- 1.25% APY up to $15,000
ATM refunds
- Kasa
- Up to $20 / month
Early direct deposit
- Kasa
- Up to 2 days
Paper statements
- Kasa
- Free
| Feature | Business |
|---|---|
| Monthly fee | $0 under 300 transactions |
| Minimum to open | $100 |
| Card settlement | Same day |
| Cash deposits | $10,000 / month free |
| Banker | A named person at your branch |
Monthly fee
- Business
- $0 under 300 transactions
Minimum to open
- Business
- $100
Card settlement
- Business
- Same day
Cash deposits
- Business
- $10,000 / month free
Banker
- Business
- A named person at your branch
Today's rates
What checking and savings earn.
| Account | Minimum | Rate |
|---|---|---|
| High-Yield SavingsFeatured | $0 | 4.10% APY |
| Kasa Checking | $500 direct deposit | 1.25% APY |
| Money Market | $2,500 | 3.20% APY |
| Everyday Checking | $0 | 0.00% APY |
High-Yield SavingsFeatured
- Minimum
- $0
- Rate
- 4.10% APY
Kasa Checking
- Minimum
- $500 direct deposit
- Rate
- 1.25% APY
Money Market
- Minimum
- $2,500
- Rate
- 3.20% APY
Everyday Checking
- Minimum
- $0
- Rate
- 0.00% APY
* APY: as high as.
Rates effective October 1, 2026.
How long does opening an account take?
About six minutes online. You will need a government ID and your Social Security number. Opening an account does not affect your credit score.
When does my direct deposit arrive?
As soon as your employer sends the payment file, which is usually one to two days before your scheduled payday. Timing depends on your employer.
Is there really no monthly fee?
Yes. Everyday Checking has no monthly fee and no minimum balance, ever.
Can I switch my direct deposit from another bank?
Yes. Our switch tool finds your employer and moves your deposit for you. Most switches finish within one pay cycle.
Open in minutes
$100 when you open your first checking account online.
Keep it open 90 days and set up a direct deposit. That is it.