man in coffee shop

Free Online Checking Account? Check.

man in coffee shop

No fees, no minimum balance. Free checking. Period. Unitus Checking offers outstanding value and simple online convenience. Set yours up in minutes and get on with your day.

Introducing Unitus Rewards

Unitus Rewards pays you for making debit purchases. Your morning coffee? Yep. Groceries? Absolutely. Even your monthly streaming service? Definitely! We pay you – and we’ll even pay you interest on what you earn. Take it one step further by rounding up your change to watch your savings add up quickly!

Existing members: You can add Unitus Rewards to your account right inside digital banking. You’ll be automatically entered into the “Summer of Rewards” Sweepstakes when you enroll.

[View descriptive video transcript]

I opened a checking account and gradually switched all my accounts to Unitus. I have the convenience of online banking, mobile deposits, and I can use an ATM at another credit union or 7-11 store with no fee.

JoAnn B.,  Member - Beaverton Branch

Find the checking account that fits your lifestyle

Unitus Checking Interest Checking
Best if you want:A truly free checking accountA checking account that earns interest
Earns Interest:NoYes
Annual Fee:NoNo
Monthly Service Fee:No$7.50 (waived with $500 min. daily balance)
Minimum Daily Balance Requirement:No$500
Access to 30K+ surcharge-free ATMsYesYes
Opening Deposit:$50$50

Unitus Checking

Best if you want: A truly free checking account
Earns Interest: No
Annual Fee: No
Monthly Service Fee: No
Minimum Daily Balance Requirement: No
Access to 30K+ surcharge-free ATMs Yes
Opening Deposit: $50

Interest Checking

Best if you want: A checking account that earns interest
Earns Interest: Yes
Annual Fee: No
Monthly Service Fee: $7.50 (waived with $500 min. daily balance)
Minimum Daily Balance Requirement: $500
Access to 30K+ surcharge-free ATMs Yes
Opening Deposit: $50

Interest Checking

Open an Account

Tier

Interest

APY*

$0 – $24,999.99

0.01%

0.01%

$25,000 or more

0.01%

0.01%

*APY = Annual Percentage Yield. Rates effective as of June 10, 2022. Disclosures (PDF)

A debit card that does it all

  • Swipe anywhere Visa® is accepted
  • No overdraft fees when you link your savings account
  • Tap to pay and fee-free cash withdrawals at over 30,000 ATMs nationwide (200 in and around Portland)
Woman making an online payment using her phone.

Access 24/7 digital banking and budgeting with our mobile app

Woman making an online payment using her phone.
  • A Unitus Visa® Debit card to use anywhere Visa is accepted
  • Link to digital payments like Apple Pay or Google Pay
  • Instant on/off debit card controls
  • Custom budgeting and savings goals

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