Checking Accounts

Our range of Checking Accounts guarantees that we have the right account for your needs. Whether you’re looking for no monthly fees, easy access to funds, or the ability to earn interest, our checking options offer flexibility and convenience.

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Perks
Checking

MOST POPULAR

Boost your finances with incredible perks, including ATM refunds, fuel discounts, and more.

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  • $50 Minimum opening deposit
  • $8 Monthly maintenance fee*
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Advantage
Checking

Our Advantage Checking offers higher interest compared to other regular checking accounts.

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Advantage Checking

Earn higher dividends on your balance.

If you are looking to earn higher dividends on your balance, consider our Advantage Checking. With a minimum opening deposit of $500, you’ll also receive convenient services like early direct deposit, online and mobile banking, access to 55,000 surcharge-free ATMs nationwide, and overdraft protection. Plus, you can rest easy knowing you’re protected with continuous credit monitoring, account alerts, and debit card controls. Save more, earn more! Monthly maintenance fee of $8.00 may be waived if requirements are met.

See our fee schedule for more details.

  • $500 Minimum opening deposit
  • $8 Monthly maintenance fee**
  • Earn as high as 4.07% APY1
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Everyday
Checking

All frills with no fuss – the Everyday Checking is just that. Get easy access to your money.

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Everyday Checking

All frills with no fuss.

Enjoy the simple things in life with an account designed to give you easy access to your money without a monthly fee. With a minimum opening deposit of $25, you’ll unlock access to early direct deposit1, online and mobile banking, over 55,000 surcharge-free ATMs nationwide, constant credit monitoring, and more.

1Please note: electronic deposits may vary based on your employer’s payroll date.

  • $25 Minimum opening deposit
  • $0 Monthly maintenance fee
Get Started

Reset
Checking

With our Reset Checking account, take the first step toward getting your finances back on track.

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Reset Checking

Are you looking for a fresh start?

Our Reset Checking can help you get your finances back on track. There is a monthly maintenance fee of $10 and a minimum opening deposit of $25. 

  • $25 Minimum opening deposit
  • $10 Monthly maintenance fee
Get Started

Perks
Checking

MOST POPULAR

Boost your finances with incredible perks, including ATM refunds, fuel discounts, and more.

Read More
  • $50 Minimum opening deposit
  • $8 Monthly Maintenance Fee*
Get Started

Advantage
Checking

Our Advantage Checking offers higher interest compared to other regular checking accounts.

Read More

Advantage Checking

Earn higher dividends on your balance.

If you are looking to earn higher dividends on your balance, consider our Advantage Checking. With a minimum opening deposit of $500, you’ll also receive convenient services like early direct deposit, online and mobile banking, access to 55,000 surcharge-free ATMs nationwide, and overdraft protection. Plus, you can rest easy knowing you’re protected with continuous credit monitoring, account alerts, and debit card controls. Save more, earn more! Monthly maintenance fee of $8.00 may be waived if requirements are met.

See our fee schedule for more details.

  • $500 Minimum opening deposit
  • $8 Monthly Maintenance Fee**
  • Earn as high as 4.07% APY1
Get Started

Everyday
Checking

All frills with no fuss – the Everyday Checking is just that. Get easy access to your money.

Read More

Everyday Checking

All frills with no fuss.

Enjoy the simple things in life with an account designed to give you easy access to your money without a monthly fee. With a minimum opening deposit of $25, you’ll unlock access to early direct deposit1, online and mobile banking, over 55,000 surcharge-free ATMs nationwide, constant credit monitoring, and more.

1Please note: electronic deposits may vary based on your employer’s payroll date.

  • $25 Minimum opening deposit
  • $0 Monthly Maintenance Fee
Get Started

Reset
Checking

With our Reset Checking account, take the first step toward getting your finances back on track.

Read More

Reset Checking

Are you looking for a fresh start?

Our Reset Checking can help you get your finances back on track. There is a monthly maintenance fee of $10 and a minimum opening deposit of $25. 

  • $25 Minimum opening deposit
  • $10 Monthly Maintenance Fee
Get Started

*Fee will be waived when the following requirements are met monthly: a qualifying Direct Deposit of $500 or more, 25 debit card transactions that are each $5 or greater, and eStatement enrollment. **Fee will be waived with a qualifying monthly Direct Deposit of $1,000 or more, and an average daily balance of $1,000 or more.  A qualifying Direct Deposit is a regular recurring ACH deposit to the checking account. Qualified ACH deposits are income (such as salary, pension, or investment income), government payments (such as social security), payroll or benefits from your employer, and self-employment income received through a secure payment system (such as Square, Stripe, or Clover) that occurs through the Automated Clearing House (ACH) Network. 1APY = Annual Percentage Yield. You can earn the advertised interest rate on balances up to $20,000; anything more than $20,000 will earn 0.01% interest.

These Checking Accounts Include

Anywhere Banking Tools

Online Banking and Mobile App lets you conveniently access your funds anytime, anywhere.

Free Credit Monitoring

Credit IQ is our credit monitoring tool powered by Savvy Money. AMOCO members have access to daily credit-score updates, credit reports, and personalized offers.

Early Direct Deposit

When you set up direct deposit, you can get paid ahead of time and access your funds up to one day earlier than your scheduled pay date1.

55,000+ Surcharge-Free ATMs

Around the corner or around the world, Allpoint is there. We’ve partnered with Allpoint to bring you over 55,000 surcharge-free ATMs.

Debit Cards with Card Controls

Take card management to the next level with controls and alerts on your AMOCO Debit Card and safeguard your account against fraud.

Protection from the unexpected Icon

Protection From the Unexpected

Standard Overdraft Protection ensures your transactions are covered if you have insufficient funds.

1Please note: electronic deposits may vary based on your employer’s payroll date.

Compare Checking Accounts

Perks Checking Advantage Checking Everyday Checking Reset Checking
Anywhere Banking Tools

Online banking, mobile banking, bill pay, debit card and eStatement
Credit Monitoring Tool

Access to daily credit-score updates, credit reports, personalized offers based on your credit score*, and financial articles to help you hit your credit score goals
Early Direct Deposit

Enjoy easy access to your funds through Online Banking and our Mobile App, and benefit from getting paid up to one day early*
Shop Local, Save Local1

Local discounts and national retailer deals to save you money on shopping, dining, travel & more
Cell Phone Protection2,3

Receive up to $1,000 per claim ($2,000 per year) if your cell phone is broken or stolen
Roadside Assistance

Available 24/7 and free to use, up to $80 in covered service charges
Identity Monitoring2,4

Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans
Telemedicine4

Members have 24/7 access to licensed clinicians who perform healthcare services through video or telephone for you and your household
Billshark4

Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need
BaZing Fuel5

Earn 10¢ or more per gal for up to 20 gallons each month with just 15 debit card swipes
ATM Service Fee Refunds

Up to $10 per month in ATM service fee refunds available with your Perks checking account
Great Interest on Your Checking Balance

Earn our best rate on balances up to $20,000
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1Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2Subject to the terms and conditions detailed in the Guide to Benefits. 3Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. 4Requires activation to begin. 5You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. 6 Qualification cycle: This term means a period beginning the 25th of the month through the 24th of the following month.

YOUTH CHECKING

Teach Responsible Spending Early.

At AMOCO, we believe that our youth should know financial responsibility, including how to use a checking account. Our Youth Checking account, designed for 12 to 17-year-olds, provides access to their own account and Debit Card, helping them build essential money management skills.

  • No monthly service fees
  • $25 Minimum opening deposit
  • View account balances and track purchases through Online Banking and Mobile App
  • Free Debit Card with Card Controls

A Youth Checking account must be opened at a branch. If you have any questions, contact us through Video Banking.

Youth Checking image
Choose a Branch Location

To open a Youth Checking account, a minor must present a state-issued government ID or U.S. passport, and a parent or legal guardian must sign as the joint owner of the account.

Want to talk business?

If you are looking for a Business Checking Account, we have those too.

LEARN MORE

Frequently Asked Questions (FAQs)

Of course! Upgrading your account has never been easier. Simply fill out this form to let us know you want to upgrade and we will reach out to you.

No, we made upgrading easy. You will keep the same debit card and account number.

Perks Checking requires a $50 minimum opening deposit, Advantage Checking requires a $500 minimum opening deposit, and Everyday Checking and Reset Checking requires a $25 minimum opening deposit. 

Perks Checking has a $8 monthly fee that can be waived if the following requirements are met monthly: a qualifying Direct Deposit of $500 or more into your Perks Checking, 25 debit card transactions each $5 or greater, and eStatement enrollment.

Advantage Checking has an $8 monthly fee that can be waived with a qualifying monthly Direct Deposit of $1,000 or more into your Advantage Checking and an average daily balance of $1,000 or more.

Reset Checking has a $10 monthly fee that cannot be waived.

*A qualifying Direct Deposit is a regular recurring ACH deposit to the checking account. Qualified ACH deposits are income (such as salary, pension, or investment income), government payments (such as social security), payroll or benefits from your employer, and self-employment income received through a secure payment system (such as Square, Stripe, or Clover) that occurs through the Automated Clearing House (ACH) Network.

You will have a grace period of two monthly statement cycles to set up your direct deposit and make at least 25 debit card transactions each $5 or greater to avoid the monthly fee. Additionally, you will also have to sign up for estatements.

You will have a grace period of two monthly statement cycles to set up your direct deposit to avoid the monthly fee. Additionally, you will also need an average daily balance of $1,000.

The Advantage Checking rate is subject to change, however we will always stay competitive with the current financial environment.

You can view the current rates here.

Our Reset Checking provides you the opportunity to rebuild your financial standing with access to our banking services. There is a monthly maintenance fee of $10 and a minimum opening deposit of $25. 

Buy Now, Pay Later options may be available for Perks, Advantage, and Everyday Checking. 

Yes, a primary account owner may have multiple Perks and Everyday Checking accounts. However, each individual is limited to one Advantage Checking account.