Checking Accounts
Our checking accounts offer convenience, security, and benefits you won’t find anywhere else.
At Express Credit Union, we believe in Economic Justice for All, and better banking starts with a better checking account.
Perhaps you’re currently banking elsewhere, and you just took out a loan through Express. Or maybe you are having trouble obtaining a bank account, and you are in need of a second chance. Or you might be looking for resources and guidance to help you reach your financial goals.
Wherever you may be on your financial journey, there’s lots of great reasons to open a checking account with us.
No more frustrating fees
- No signup fees
- No minimum balance requirements
- Zero monthly maintenance fees
Rate discounts and access to Express products
- Access to unique loan products that are only available to Express members, like the Member Advance loan, when you use checking with direct deposit
- Gain access to our competitive investment products, like savings accounts with no maintenance fees, the Express Kids Savings Club, Certificate of Deposits (CD’s), and Social Impact CD.
- Receive future rate discounts of up to 1% by actively using your checking account
Convenient access to your money
- Free VISA debit card connected to your checking account
- Shared Branching Network. Access to 30,000+ fee-free ATM’s. Easily withdraw cash at locations you already visit, like 7-Eleven, Rite-Aid and grocery stores with other Credit Union ATMs
- Need to use an out-of-network ATM? The fee is only $1
- Traditional checks are also available for use with your account
- Set up Direct Deposit and gain immediate access to your paycheck
- Transfer funds to friends and family by linking your checking account to financial apps like Remitly and Venmo
Personalized Services
- Need someone to talk to and ask questions? We take the time to listen to your story and your needs. We will develop a solution together.
- Our bilingual staff is to happy assist you in both English and Spanish.
- Financial Coaching. We have partnered with GreenPath Financial Wellness to help you easily and confidently navigate through your financial journey. Services include debt management, credit report reviews, housing services, and financial counseling.
Online and mobile banking
- Check your account balances and track purchases wherever you are, whenever you choose, using our free online banking portal and mobile app
- Set up personalized alerts and reminders
- Pay bills using Bill Pay
- Link external accounts
- Deposit checks remotely through the mobile app
- Lock or unlock your card anytime using our Remote Card Control
- Find ATM/Shared Branch locations
Member Friendly Policies
Second Chance Checking
We offer checking accounts to people with past negative history or banking experience.
Call
206-622-1850 or email
expresscu@expresscu.org to get in touch with our staff. We
will take the time to review your history, listen to your story and see what we can do.
Overdraft Transfer Protection
If there are insufficient funds in your checking account when you attempt to make a purchase, our
system will automatically check to see if there are enough funds in your savings to complete the
purchase (note that a small fee applies for these transfers).
If not, we’ll decline the transaction instead of charging you costly overdraft fees.
You can also choose to opt out of this service, if you’d like.
Bilingual Staff Who Care
Our staff is ready to assist you in either English or Spanish. Share your story and financial goals.
Our team will take the time to explain ways we can help or refer you to other services to help you on
your financial journey.
Call 206-622-1850 or email
expresscu@expresscu.org and we’ll be happy to help.
Express CU Switch Kit
Interested in making Express your primary financial institution?
Our Switch Kit makes the process easy!
We love to hear from you. Whether you have a question about your specific situation, or want to learn more about an Express product, complete the form below and we’ll respond within 2-3 business days.