Solidify your finances with a free checking account.
Looking to open a new checking account? Open an LOC checking account with no minimum balance requirements and no monthly fee. When you compare our checking account to other types of checking accounts from banks and financial providers, you'll find that it is one of the best checking account options available.
Whether you are looking for a joint checking account, teen checking account or college checking account, our simple option includes:
- No monthly fee, minimum balance requirement or check writing fees
- Direct deposit options for payroll, pension and Social Security
- Easy to use VISA Debit Card
- Ability to make purchases directly from your checking account with Digital Wallets
- More than 30,000 fee-free ATMs for deposits and withdrawals across the US through the CO-OP Network
- Free online and mobile banking with bill pay* and Life Track, our personal financial management (PFM) solution
- Mobile deposit option within mobile banking
- Options for overdraft protection
- Low cost 24/7 ID Theft Protection
Plus, you'll enjoy a personal financial relationship with our team of knowledgeable member advisors who will open the door to a wide range of opportunities for you and your finances—providing you with savings, convenience, flexibility, and peace of mind.
Stop by any LOC branch to open your checking account.
Personal Account Agreements and Disclosures
- Member and Account Agreement - August 2020
- Personal Account Schedule of Fees
- Electronic Funds Transfer Agreement and Disclosure - December 2020
- Authorization and Agreement to Receive Electronic Statements and Other Disclosures
- Truth-In-Savings Statement
- Funds Availability Notice - July 2020
- Standard & Extended Overdraft Coverage Disclosure - July 2020
- Substitute Check Disclosure