Enjoy a checking account built around you

Our accounts are designed for maximum convenience and access based on your banking needs. Use the chart below to select the account that’s perfectly tailored to you, then open your preferred account online in minutes.

Must be over 18 years of age to open an account online. If you’re under 18, you will need to open an account at a Denali branch. See the requirements to open an account.



Or call 800-764-1123 (option 3)


Feature or Benefit Simple Free Opportunity Advantage Youth Checking
Earns dividends   Yes Yes  
Overdraft protection* Yes Yes Yes  
Reimbursed ATM fees (up to $20 per month)     Yes  
Free check orders (up to $25 per order)     Yes  
Free instant issue debit card Yes Yes Yes Yes
Custom photo debit card** Yes Yes Yes Yes
Paper statements*** Yes Yes Yes Yes
Overdraft fees for returned items $30 per item $30 per item $30 per item $30 per item
Bounce! protection† Yes Yes Yes  
Free Web and Mobile Banking Yes Yes Yes Yes
Free Online Bill Pay Yes Yes Yes Yes
Free access to CO-OP ATMs and branches Yes Yes Yes Yes
Monthly fee Free $12 $25 Free
How to waive monthly fee No monthly fee $2,500 monthly average checking account balance $75,000 combined household relationship (all loans and deposits) No monthly fee
Opening deposit $25 $25 $100 $25
* Overdraft protection: Free for Advantage, $7 per transfer for Simple and Opportunity, not available for Young Adult
** Custom Photo Debit Card: One card free for Advantage and Young Adult, $10 for Simple and Opportunity
*** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult
† $30 per item, up to a maximum of four charges per day