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Checking Accounts

 

Everyday Checking Made Effortless

Checking that’s free, simple, and built for the way you bank.
Open your account online is under 5 minutes!
 
 

Why Members Love Our Checking

  • No monthly fees, no minimum balance— more in your pocket.
  • Free debit card with fraud protection.
  • 24/7 digital banking with mobile deposit & bill pay.
  • Nationwide surcharge fee ATM access for cash when you need it.
  • Account alerts & security tools for peace of mind.
  • Overdraft protection available for peace of mind.

Compare Our Checking Account Products

Take a look below to find the account that’s right for you. Need help choosing? Our team is happy to help you open the account that fits you best — just contact us or visit a branch near you.
Easy Checking Account
Simple. Stress-free. No fuss.
 
  • No monthly fees
  • No minimum balance
  • Debit Card Controls
  • Mobile Banking
  • Zelle® money transfer
  • Surcharge Free ATM network
  • Direct Deposit + Bill Pay
  • ...and more
It’s the perfect account for managing your money.
 

Easy Checking Features & Benefits

Classic Checking Account
Earn more on your balance — with no fees.
 
  • Earn dividends at $200.
  • No monthly fees!
  • Debit Card Controls
  • Mobile Banking
  • Zelle® money transfer
  • Surcharge Free ATM network
  • ...and more
The smart choice for members who want extra value.
 

Classic Checking Features and Benefits

Overdraft Protection
Enjoy worry-free banking with Overdraft Protection
 
  • Transfer from your savings account or an overdraft line of credit.
  •  Keep your life and transactions moving when the unexpected happens.
 
Because life happens — and we’ve got your back.
 

Overdraft Protection

Benefits





































Open a Checking Account with Ease

Not yet a member?

Join online today or visit one of our convenient branch locations to become a member and open your checking account. To open online, you’ll need a valid photo ID, your Social Security number, and a debit card to fund your account. It’s quick and easy!

Already a member?

Open a new account anytime through Online Banking, our Mobile App, or by stopping by your local branch.

Switching your direct deposit or automatic payments?

We make it easy to move your finances with our Switch Kit — it includes everything you need to set up direct deposit, automatic transfers, and recurring payments quickly and confidently.

Need checks?

You can order anytime at Online Check Orders

Need to deposit a check? 

Use our mobile app, visit a branch, or use an NESC ATM.

Need to cash a check? 

Bring it to an NESC Credit Union branch with a valid photo ID. You can also deposit checks at an ATM, with a portion of the funds possibly available right away.
 
Couple with new born

Put your money to work and watch it grow

Our Certificate Accounts offer a fixed-rate return over a specified term, giving you a guaranteed way to build your financial future

Explore Certificate Accounts