Checking

Give your everyday spending an upgrade. Every checking account at Kitsap Credit Union has no monthly fees, robust online and mobile banking features, and free online Money Management. Plus, you can access 30,000 no-fee CO-OP Network ATMs nationwide.


Grow More with Gold Checking.

Grow More with Gold Checking

Free

Minimum Opening Balance
  • $25

APY*
  • 1.50% (up to $15,000)+
    0.05% (over $15,000)

Visa® Debit Card
  • Standard

Free eStatements Optional
  • Required to earn dividends

ATM Perk
  • Access to 30k+ free ATMs nationwide
    Up to $25 in ATM fees refunded every month+


Get the Essentials with Classic Checking.

Get the Essentials with Classic Checking

Free

Minimum Opening Balance
  • $25

APY1
  • 0.00%

Visa® Debit Card
  • Standard design

Free eStatements Optional
  • Optional

ATM Perk
  • Access to 30k+ free ATMs nationwide


Get the Essentials with Classic Checking.

Go Mobile with Generation You Checking

Free

Minimum Opening Balance
  • $25

APY+
  • 0.00%

Visa® Debit Card
  • Exclusive design

Free eStatements Optional
  • Required

ATM Perk
  • Access to 30k+ free ATMs nationwide



Checking Benefits


Graphic image representing online and mobile Banking.

Online & Mobile Banking


Manage financial accounts from your computer, tablet, or smartphone.
Learn More

Graphic image.

Money Management


View and manage your complete financial picture. Access it from Online Banking.


Online Bill Pay


Save time and postage while managing all of your bills in one place. Set up one-time or recurring payments and more. Access via Online Banking.
Learn More


Mobile Wallet Compatibility


Use your debit card with Apple Pay®, Google Pay™, and Samsung Pay®.
Learn More


Visa Purchase Alerts


Get email notifications when there are charges to your account that meet certain criteria.
Learn More


Fraud Monitoring Protection


Visa Falcon Fraud protects you from fraudulent purchases. They will contact you to confirm suspicious transactions.
Learn More




Checking Account Qualifications


  1. Establish and maintain credit union membership with a savings account.
  2. Deposit a minimum of $25.
  1. Establish and maintain credit union membership with a savings account.
  2. Deposit a minimum of $25.
  3. Once your account is open, enroll in eStatements.++
  1. Establish and maintain credit union membership with a savings account.
  2. Deposit a minimum of $25.

To earn the 1.50% APY, you must meet the following:+

  1. Once your account is open, enroll in eStatements.
  2. Make 12 or more debit card purchases per month.
  3. Make at least one ACH, Direct Deposit, or Bill Pay payment per month.

Varsity Checking


Members ages 13 - 18 have the opportunity to maintain their own checking account and practice financial independence. Parents or guardians are co-owners of the Varsity Checking Accounts and can help their teenagers develop a foundation of financial understanding. Learn more about youth banking options at Kitsap Credit Union.


Disclosure

*APY refers to Annual Percentage Yield.

+Monthly qualifications apply to earn stated rate and benefits, refer to Rate and Fee Schedule for more information. If you do not meet the qualifications during the qualification period, your account will still function as a free checking account earning the Base Rate and you will not receive ATM fee refunds for that time period.

++Generation You Checking requires eStatements. If not enrolled with eStatements within 90 days of account opening, the checking account with be converted to a Gold Checking account.