Totally Free Checking. No Surprises.
Everyday banking without the extra fees*.
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.
Save on auto loans
Get a 0.25%2 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.
Ready to Make the Switch?
Open your Totally Free Checking Account online or visit in person and we’ll get you set up!
*No minimum balance. No monthly maintenance fee. Other fees may apply. Membership eligibility required.
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 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.