This is your banking experience, and you should be in control. With a checking account from Denali, you’ll enjoy easy access and a selection of features tailored to your individual needs. Use the chart below to choose an account option that’s the best fit for your life. Once you’ve chosen, you’ll be ready to open your preferred account online within 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. Find out what you need to open an account.
Feature or Benefit | Simple Free | Opportunity | Advantage | Young Adult |
Earns Dividends | ![]() | ![]() | ||
Overdraft Protection* | ![]() | ![]() | ![]() | |
Reimbursed ATM Fees (up to $20 per month) | ||||
Free Check Orders (up to $25 per order) | ![]() | |||
Free Instant Issue Debit Card | ![]() | ![]() | ![]() | ![]() |
Paper Statements** | ![]() | ![]() | ![]() | ![]() |
Overdraft Fees for Returned Items | $30 per item | $30 per item | $30 per item | $30 per item |
Bounce! Protection† | ![]() | ![]() | ![]() | |
Free Web and Mobile Banking | ![]() | ![]() | ![]() | ![]() |
Free Online and Mobile Bill Pay | ![]() | ![]() | ![]() | ![]() |
Free Access to CO-OP Shared ATMs and Branches | ![]() | ![]() | ![]() | ![]() |
Monthly Fee | Free | $12 | $25 | Free |
How to Waive Monthly Fee | N/A | $2,500 monthly average checking account balance | $75,000 combined household deposits (loans and deposits) | |
Opening Deposit | $25 | $25 | $100 | $25 |
* Overdraft protection: Free for Advantage, $7 per transfer for Simple and Opportunity, not available for Young Adult
** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult
† $30 per item, up to a maximum of 4 charges per day
Rates and terms are subject to change without notice. Dividends are calculated from