Checking Accounts

Everyday Checking Made Effortless

Checking that’s free, simple, and built for the way you bank.

Why Members Love Our Checking

No monthly fees — keep more of your money Free debit card with fraud protection 24/7 digital banking with mobile deposit & bill pay Nationwide ATM access for easy cash when you need it Account alerts & security tools for peace of mind

Compare Our Checking Account Products

Whether you’re looking for simple everyday banking or rewards for your debit card purchases, NESC Credit Union offers checking accounts designed to fit your life. All of our accounts come with mobile banking, debit card access, and fee-free ATM access — so you can bank your way, wherever you go.

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

It’s all in the name — Easy Checking is designed for simple, stress-free banking. With no monthly fees and no minimum balance, it’s the perfect everyday account for managing your money without the hassle.

Open an Easy Checking

Classic Checking Account

Earn more from your everyday banking. With dividends and a low minimum balance, Classic Checking is a smart choice for members who want extra value in a simple, reliable account.

Open a Classic Checking

Overdraft Protection

Enjoy worry-free banking with Overdraft Protection from your savings account or an overdraft line of credit - a simple way to keep your life and transactions moving, even when the unexpected happens.

Apply for Overdraft Protection

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.

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