Checking Account Options

Simple Checking

Easy as its name sounds for your basic banking & checking needs. Free checking account w/ eStatements* and free debit card access.

Open Now
Earns Interest
Minimum Deposit
$0
Monthly Maintenance Fee
$0
Free eStatements ($5 Print Fee)*
Serious Interest Checking®

Earns you 4.00% APY** on checking account balances up to $15,000 when you have 12 posted debit card transactions per month, a $1,000 average daily balance, $1,000 minimum recurring monthly direct deposit and eStatements.

Open Now
Earns Interest
Minimum Deposit
$1,000
Monthly Maintenance Fee
$0
Free eStatements ($5 Print Fee)*

Choose your checking account

Simple Checking

Easy as its name sounds for your basic banking & checking needs. Free checking account w/ eStatements* and free debit card access.

Open Now
Serious Interest Checking®

Earns you 4.00% APY** on checking account balances up to $15,000 when you have 12 posted debit card transactions per month, a $1,000 average daily balance, $1,000 minimum recurring monthly direct deposit and eStatements.

Open Now
Earns Interest
Minimum Deposit
$0
$1,000
Monthly Maintenance Fee
$0
$0
Free eStatements ($5 Print Fee)*

Which checking account is right for me?

While both of our personal checking options offer you a great way to pay for everyday expenses and safely deposit your paycheck, each of them can offer different advantages based on your personal financial situation. 

Our Simple Checking account is a personal checking account for anyone who wants a no-frills account with easy, convenient access thanks to our debit cards. These accounts have no minimum deposit requirement, no monthly maintenance fee and offer free eStatements* to keep you aware of your balance and spending.

Serious Interest Checking is an account that can let you grow a minimum account balance over time, just by using your debit card like you normally do! Learn more about our high yield checking account and see if it’s the right fit for your finances.

Other Personal Checking Account Features
Member Perks

Exclusive deals for members. Learn more.

30,000+ Fee-Free ATMS and Convenient Locations

Over 30,000 fee-free ATMs thru the COOP network and convenient locations located across West Michigan. Learn more.

Extended Teller Hours in Drive Thrus

We are open later to serve you in our drive thrus with a teller located in West Michigan. Learn more.

24/7 Online Banking & Mobile App

Bank when you want, where you want with the mobile app. Learn more.

Mobile Check Deposit

Learn how to use Mobile Check Deposit.

Instant-issue Debit Card

Debit cards can be printed in one of our offices and issued to you instantly.

Tap & Go® Contactless Pay

Contactless pay gives you greater fraud protection. Learn more.

Mobile Wallets

Our cards are Apple Pay™, Google Pay™ and Garmin Pay™ compatible. Learn more.

Online Bill Pay

Online Bill Pay gives you flexibility in how you make payments by controlling when payments are made. Learn more.

Security, Transaction & Balance Alerts

Alerts help you keep track of your accounts. Learn more.

Mastercard® ID Theft Protection™

Both personal and business members are eligible for the Mastercard® ID Theft Protection™ program, which allows you to track your identity risk level and detect potential fraud. Learn more.

Multi-factor Authentication

For extra account security, you can add a second layer of verification to your Online Banking account. Learn more.

Fingerprint App Login Options

For added security and convenience on the Mobile App.

Savings Goals

Creating a savings goal will allocate a certain amount of money from one account to another over time to reach a long-term goal, such as a vacation or a new car. Learn how.

Free Credit Score Monitoring

Simply log in for instant access to your credit score and report, along with personalized tips on how to improve your score or maintain an already great one. Learn more.

But Wait … There’s More!

With a checking account from Consumers, you have access to additional account benefits.

Debit Cards
Member Perks
Debit Cards

An instant-issue debit card will be handed to you when you open a checking account in one of our offices or sent to you when you open an account online! Our cards are made with 85% upcycled plastic, allowing us to do our part to reduce the reliance on first-use plastics. Find your Mastercard benefits or browse through all of the Priceless experiences and exclusive offers here, including free Mastercard® ID Theft Protection™.

Member Perks

Local companies honor discounts and services to Consumers members. All you need to do is show your debit or credit card upon purchase.

VIEW PERKS