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Hassle-Free Checking

Simply Free Checking.
No strings attached.

Enjoy no monthly maintenance fees and no minimum balance requirements — just a simple, free account that works for you.‍6

Zero

Monthly fees‍6

4.7 ★

Digital Banking‍5

Free

ATM access ‍4

Open an account
Quick and easy online application
Account Features

Why you’ll love Simply Free Checking

No Monthly Fees‍6

Keep more money in your account with zero monthly maintenance fees.

Visa® Debit Card

Get a contactless Visa® Debit Card with Mobile Wallet capabilities for easy, secure payments.

Top-rated Digital Banking‍5

Manage your account anytime, anywhere with Digital Banking or the Connexus App.

Nationwide ATM Access

Access your money when you need it with thousands of fee-free‍4 ATMs nationwide.

Overdraft Protection

We offer three ways to help protect your account from overdrafts.

NCUA Insured

Enjoy peace of mind with NCUA insurance up to $250,000.

DIGITAL BANKING TOOLS

Stay in control with Digital Banking

DIGITAL BANKING SECURITY

Stay secure with Digital Banking

Overdraft protection

Peace of mind when it matters.

Choose from three ways to help protect your account from overdrafts.

Option 1

Link a Savings Account

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What it covers

Link your Simply Savings Account to your Simply Free Checking Account for added peace of mind. If your checking balance runs low, we’ll automatically transfer just enough from your savings to cover the shortfall, as long as sufficient funds are available. No action is needed on your part.

Key details

Free — no transfer fees ever

Works with Simply Savings Account

Transfers happen instantly and automatically

Option 2

Apply for an Overdraft Line of Credit

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What it covers

Get approved for a revolving line of credit from $300 to $2,999. If your checking balance runs low, this line could help cover it up to your approved amount. Plus, you only pay interest on what you use.

Key details

Credit limits from $300 to $2,999

18.00% APR* — no annual fee

Apply in minutes online or by phone

Option 3

Use Privilege Pay Overdraft Service

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What it covers

Connexus may pay checks, ACH transactions, and Bill Pay items that overdraw your account. A $18 fee applies to each paid or returned overdraft item (maximum two fees per day). No fee is charged if the overdraft is $10 or less. Overdrafts must be repaid within 30 days. Debit card and ATM transactions are not covered unless you opt in. Payment of overdrafts is discretionary and not guaranteed. Call 800.845.5025 or enroll through Digital Banking.

Key details

$18 per paid or returned item

No fee if the overdraft is $10 or less

Maximum two fees charged per day

*APR = Annual Percentage Rate. Maximum loan amount $10,000. Finance charge begins to accrue on the date an advance is made on the line. No annual fee. Loan subject to approval and qualifications. Certain restrictions may apply. Review the Fee Schedule for any fees that may apply.

Ready to stop paying bank fees?

Make the switch to Simply Free Checking and keep more of your money where it belongs — in your pocket.

Open your account

Disclosures

See our Fee Schedule for a list of fees you may encounter.

  1. Co-opSM and MoneyPass® ATM Networks available nationally. These ATMs are fee-free with the use of a Connexus Debit/ATM Card. Usage fee may still apply.
  2. 4.7★ Digital Banking rating based on Apple App Store and Google Play Store Connexus Credit Union digital banking app reviews. Ratings are current as of 09/13/2026.
  3. No minimum balance required to maintain the account. No monthly maintenance fee required. Other account-related fees may apply.