Checking That Fits Your Life
You are in demand. With so many people counting on you, it’s good to know you can count on us. Our checking accounts keep pace with your busy life. With no monthly fees, no minimum balance requirements, and digital tools that fit your lifestyle, you can bank with confidence wherever life takes you.
Your checking account is at the center of your financial life. It’s where paychecks are deposited, bills get paid, and everyday purchases happen. That’s why we believe checking should be easy to use and built around your needs.
MembersOwn’s checking account offers convenient access to your money, valuable digital banking tools, and the personalized service you expect from a local credit union. Best of all, there are no monthly maintenance fees, and you can even earn monthly dividends when you maintain an average daily balance of $500 or more.
Everything You Need for Everyday Banking.
Our checking accounts are designed to keep banking simple, convenient, and accessible. Enjoy no monthly fees, earn dividends with qualifying balances, use your free debit card with confidence, and access your money anytime through digital banking, surcharge-free ATMs, and shared branches nationwide. Find even more details about our checking accounts here.
No Monthly Fees
Enjoy checking with no monthly or annual fees, no minimum balance requirements, and no per-check charges.
Earn Monthly Dividends
Maintain an average daily balance of $500 or more and earn monthly dividends on your account.
Free Debit Card
Make purchases and access your funds with a free Mastercard® debit card. With instant issue available at our branches, you can leave with a new card in hand.
Banking Wherever You Are
Manage your money anytime with digital banking. Plus, enjoy access to a nationwide network of surcharge-free ATMs and more than 5,500 shared branch locations after one month of membership.
Is there a minimum balance requirement?
No. Our checking account has no minimum balance requirement and no monthly or annual maintenance fees.
Can I earn dividends on my checking account?
Yes. Members can earn monthly dividends by maintaining an average daily balance of $500 or more.
What digital banking services are included?
Your checking account includes secure online banking and mobile banking, giving you 24/7 access to your accounts. You can make mobile deposits, pay bills with free Bill Pay, send money with person-to-person (P2P) transfers, transfer funds instantly between MembersOwn accounts with member-to-member (M2M) transfers, set up account and security alerts with text and push notifications, connect your accounts to trusted financial apps through Plaid, and add your debit card to Apple Pay®, Google Pay™, and Samsung Pay™ for convenient digital wallet access.
Where can I access my money?
You can access your money in the way that’s most convenient for you. Visit either MembersOwn branch for personalized service, manage your accounts 24/7 through online and mobile banking, use surcharge-free MoneyPass® ATMs nationwide, and after one month of membership, access more than 5,500 CO-OP Shared Branch locations and thousands of affiliated ATMs across the country.
How is my account protected?
Your checking account will be safe and secure because we use tokenization to turn important data, like your account number, into a random string of characters called a token that has no meaningful value if breached.
Multi-Factor Authentication MFA provides an extra layer of security by requiring additional verification when you sign in. You can help keep your account secure by never sharing your login credentials or verification codes. MembersOwn will never ask for your passwords or verification codes.
Talk to a Real Person
in Your Community
MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.
Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)
Beatrice Branch
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204
Contact Form
"*" indicates required fields