Totally Free Checking Account
You can bank on a checking account with all the options and without the fees.*
It’s Not Just Free, It’s Full of Perks:
Our Totally Free* Checking accounts are available to our members. Accounts do not require a minimum account balance or charge a maintenance service fee. You’ll have access to all our convenient digital tools at your fingertips with our mobile app, plus so much more!
Save More with No Fees
Enjoy a checking account with no monthly fees and no minimum balance requirements. Just the way banking should be!
Get Paid up to 2 Days Early
Set up direct deposit and get your paycheck up to 2 days earlier1 with no sign-up required
Greenlight for Kids & Teens
Free2 for QCU families when you use your Totally Free Checking Account as a funding source!
Save on Auto Loans
Get a 0.25% discount on your auto loan rate when you open and get approved for a new QCU Auto Loan with automatic payments set up from your Totally Free Checking Account.
All features you want in an account!
When you open a Totally Free Checking Account with us, you’ll be entitled to all the benefits that you’d expect from a checking account, without all the added fees. Our account features top-notch technology options to manage your account online or via the mobile app.
- 24/7 mobile account access
- QCU Visa Debit Card for payments or ATM transactions
- Easy mobile deposits
- Mobile Bill Pay available
- Access to Greenlight, totally on us
- Real-time account balances
- Secure and eco-friendly eStatements
- Account transaction history
- Set up recurring or one-time fund transfers
- Free money management tools
1If you are a QCU member that has set up a direct deposit with a payer, you may be able to receive your direct deposit funds up to 2 days earlier with QCU’s early direct deposit. Eligibility for Early Direct Deposit is at our discretion and we cannot guarantee that you will always receive Early Direct Deposit. Direct deposit enrollment required for QCU Early Direct Deposit. There is no additional fee to this service.
2Quincy Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Quincy Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 6/17/2026. Offer subject to change and partner participation.
*Account misuse fees may apply