PERSONAL CHECKING
Basic Checking
Our Basic Checking account gives you everything you need for confident everyday banking — with digital tools, nationwide access, and the flexibility to bank your way.
Everyday Banking Made Simple 1
Everything you need for confident everyday banking — with digital tools, nationwide access, and the flexibility to bank your way.
Free VISA® Debit Card
Real-world money experience with the freedom to learn by doing. Get a card issued instantly when you open an account in branch.
No Monthly Service Fees
Because building good habits should be simple and accessible.
Banking That Fits Real Life
Whether you’re paying bills, building a budget, or managing day-to-day spending, Everyday Checking gives you simple tools to help you stay connected to your money with confidence.
Access Wherever You Go
Bank confidently with access to over 30,000 surcharge-free CO-OP ATMs and shared branches nationwide, plus digital tools that keep your money within reach wherever life takes you. Blue Digital gives you secure mobile and desktop banking access anytime, anywhere.
Simple, Straightforward Banking
Everyday Checking gives you the essentials you need — digital banking tools, a Visa® debit card, and convenient account access designed around real life.
Real Support
At Blue, banking is personal. Our team is here to help you navigate everyday finances with tools, guidance, and support built around your goals.
Ready for Simpler Banking?
Build Your Savings Automatically
Smart Cents Savings
Smart Cents Savings is a really easy way to build up your savings balance. Our Smart Cents program is available for free with any Blue checking account.
Here’s how it works:
- Purchases made with your Blue Debit Card are rounded to the nearest dollar amount
- The difference will be transferred automatically from your checking account to your savings account (or specified account) at the end of each day
- Track your savings in online banking
To enroll your account today, visit any of our conveniently located branches or contact us.
FAQs
Have questions about Everyday Checking? Find answers to some of the most common ones below.
Is Basic Checking free?
Yes. Blue offers a Basic checking option with no monthly service fees as long as you complete the required minimum transactions or maintain the required balance.
Can I open a Basic Checking account online?
Yes. Eligible members can open a checking account online anytime or visit a local Blue branch for personalized assistance.
What do I need to open an account?
Typically, you’ll need a valid government-issued photo ID, Social Security number, and basic contact information to open an account.
Can I access my account nationwide?
Yes. Blue members have access to over 30,000 surcharge-free CO-OP ATMs and thousands of shared branch locations nationwide.
Does Basic Checking include online and mobile banking?
Yes. Basic Checking includes Blue Digital online and mobile banking tools so you can manage your account anytime from your phone or desktop.
Does Basic Checking come with a debit card?
Yes. Basic Checking includes a free Visa® debit card for convenient everyday purchases and account access.
Still have questions?
Our team is here to help.