At USA Credit Union, when we say "free" checking, we mean it. We don't even charge you for checks! Just look at what you get with our Basic Checking:

• No monthly service charges.
• No minimum balance requirement.
• No per check fees.
• Free personalized local checks (USA Credit Union address printed with a major city in your state)
• Two Free Debit MasterCard's*. Make purchases anywhere MasterCard is accepted or get cash at locations worldwide. You can make unlimited transactions at USA Credit Union ATMs and up to 6 free transactions per month at other ATMs.
• OnLine USA^TM Internet Account Access
• Online bill payment is available for a monthly fee of $3.95 per month.** The first three months are FREE!
• Unicall 24-hour Voice Response access by phone
• Free online check images
• Overdraft protection using your Share Savings account or Kwik Draw Revolving Line of Credit
• Order custom checks at a low cost. Click here to view check designs.

* If you do not qualify for the Debit MasterCard, you may qualify for an ATM card. Second card only issued when a joint owner is on the account.
** Up to 15 bills per month, $0.40 for each additional bill.

Learn more about the many account access options for managing your USA Credit Union account.

To open your account, download a checking account application and mail or fax it to us.