Skip to content

Free & Easy Checking

If you're looking for a checking account that's free and provides a wide array of benefits, you've come to the right place. Welcome to Free & Easy Checking!


Free & Easy Checking

Dividend-bearing at

0.05% APY*

*APY= Annual Percentage Yield

  • Refunds on ATM fees nationwide (up to $25 monthly)
  • No minimum balance required
  • Unlimited transactions
  • No monthly service fee
    • Free E-Services Package
    • Free Online Banking
    • Free Mobile Banking with free Mobile Deposit
    • Free Visa debit card
    • Free Bill Pay
    • Free Zelle®
    • Free Apple Pay®, Samsung Pay® and Google Pay®
    • Free eStatements
  • Free Security Package
    • Free SecurLock App for debit or credit cards
    • Free E-Lerts
    • Free credit report when you open account (optional)

In the event that the funds in your checking account are insufficient, overdraft protection provides peace of mind.

Overdraft Options*

  • From Your Savings Account. In accordance with federal regulations, you may transfer up to six times per month from any savings account designated to cover non-sufficient funds. You must choose the overdraft option to be active.**
  • From Your Overdraft Line of Credit. Alternately, you may apply for an ongoing Line-of-Credit. The interest rate for the Line-of-Credit depends on your credit qualifications. You must choose the overdraft option and specify which account will provide the primary overdraft funds.
  • Courtesy Pay. The Courtesy Pay program is offered on qualified checking accounts. Courtesy Pay is an overdraft program that provides added financial security and peace of mind. Courtesy Pay is a privilege service and not a loan; it is not tied to a note, line of credit, or savings option.  When you enroll and qualify in Courtesy Pay you can overdraw your share draft checking accounts to a pre-set limit, and retain this privilege by bringing your checking account to a positive balance within a designated time limit.

Courtesy Pay is activated only after available funds in other share/savings accounts that you have previously set up for overdraft protection have been transferred to clear checking account items. ABNB may honor overdrafts of individual share draft checking accounts subject to certain conditions and limitations as set forth in the following policy:

Maximum Overdraft Protection Limits

  • $100 for new accounts less than 45 days
  • $600 for accounts 46 days or older

Qualifying Criteria

  • Members who have opted in to Courtesy Pay, and
  • Have a regular deposit of at least $50.00 per month, and
  • Bring the account to a positive balance at least once every 30 days
  • Accounts must be in good standing
  • Courtesy Pay is limited to one checking account per primary member

Non-Qualifying Factors

  • ABNB charged-off, garnished and/or bankruptcy accounts
  • Currently delinquent 30 days or more on loans
  • Currently negative account balance over 30 days
  • Accounts that have gone delinquent on loans within the first 45 days, or had a negative balance for more than ten days will be permanently disqualified from Courtesy Pay
  • Enrolled in Debt Management Program
  • Under 18 years of age
  • Business/commercial accounts
  • Bad address
  • Estate/trust accounts
  • Other negative account activities at Management's discretion
  • Checking account declined by Chex Systems

Overdraft Protection and Fee Information

  • Courtesy Pay fees — $35 per item
    There is no interest charged on any overdraft or unpaid overdraft charge. There will be no late charges or other fees other than the overdraft fee.
  • The following service channels are included for overdraft protection:
    • Checking
    • Bill Pay
    • ACH debits
    • One-time debit card transactions

Courtesy Pay limits are included in the “available balance” authorizations on Visa Debit Card transactions only. The Courtesy Pay limit is not disclosed to members on any other type of transaction or available balance information, i.e. ATMs, Self-Service Telephone Banking, Online Banking, etc.

Consumer Checking Account Disclosure

*APY = Annual Percentage Yield. Rates accurate as of 05/12/2020. Rates subject to change without notice. Fees could reduce earnings. No minimum deposit. No minimum balance to earn dividends. Dividend rate may change after opening account.