Totally Free Checking. No Surprises.
Everyday banking without the extra fees*.
No monthly maintenance fees • No minimum balance • Easy digital access
Why Choose Totally Free Checking?
Everything you need in a checking account, plus a few extra perks you’ll love.
Get paid early
Set up direct deposit and get your paycheck up to 2 days early1. No sign-up required.
Greenlight for Families
Free2 for QCU families when Totally Free Checking is used as the funding source.
Save on auto loans
Get a 0.25%3 rate discount when automatic payments come from your checking account.
Built for digital life
Mobile deposit, bill pay, account alerts, and more—right from your phone.
Powerful tools to manage your money.
Online & Mobile Banking
Manage your checking account anytime with 24/7 access to balances, transfers, bill pay, account alerts, and transaction history with online and mobile banking.
Mobile Check Deposit
Deposit checks securely from your phone—no trips to the branch required.
Debit Card & ATM Access
Use your QCU Visa® Debit Card for everyday purchases and ATM transactions. Easily order or replace your debit card when needed.
Greenlight for Families
Get Greenlight on us when Totally Free Checking is used as the funding source, helping kids and teens build smart money habits.
Ready to make the switch?
Open your Totally Free Checking Account online or visit us in person and we’ll help you get set up!
*Account misuse fees may apply. Membership eligibility required; a $5 Primary Share required. Rates, terms, and features subject to change. Fees may reduce earnings on savings accounts.
1 If 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.
2 Quincy 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
3 APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Actual APR, approved loan amount, and loan term vary based on creditworthiness, vehicle age, loan-to-value ratio, and other factors. Membership eligibility required; a $5 Primary Share Account must be maintained. Additional restrictions and conditions may apply.