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Fully accessible. Fully yours.

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 BenefitSimple FreeOpportunityAdvantageYoung Adult
Earns Dividends YesYes 
Overdraft Protection*YesYesYes 
Reimbursed ATM Fees (up to $20 per month)  Yes 
Free Check Orders (up to $25 per order)  Yes 
Free Instant Issue Debit CardYesYesYesYes
Custom Photo Debit Card**YesYesYesYes
Paper Statements***YesYesYesYes
Overdraft Fees for Returned Items$30 per item$30 per item$30 per item$30 per item
Bounce! Protection†YesYesYes 
Free Web and Mobile BankingYesYesYesYes
Free Online and Mobile Bill PayYesYesYesYes
Free Access to CO-OP Shared ATMs and BranchesYesYesYesYes
Monthly FeeFree$12$25Free
How to Waive Monthly FeeN/A$2,500 monthly average checking account balance$75,000 combined household deposits (loans and deposits) 
Opening Deposit$25$25$100$25

Young Adult Checking

The perfect first checking account for youth working towards financial independence. Open to members between 13 and 23, the Young Adult account doesn’t require direct deposits or minimum balance requirements and has no monthly fee. It’s a basic account that comes with all the functionality you’d need and provides extra features like free e-statements and unlimited teller transactions to help our younger members get a successful start on their finances.

* A parent or legal guardian over 18 years of age must be a joint applicant. Members who are minors must show one form of photo ID to open the account. Account qualification based on the parent or guardian’s good banking history.

Opportunity Checking

Do you keep a higher balance in your account? Opportunity could be the right choice for you. With this account, members can earn dividends, waive monthly fees, and enjoy a variety of other benefits beyond what the simple account offers. 

Simple Checking

The simple account is a great fit for members who just need a basic account for day to day checking. With a with free online and mobile banking, free access to shared ATMs and branches, and the added bonus of waived monthly fees for seniors over 65, it’s a designed to provide convenience and easy access. Check out the chart below to see what other features this account offers.

* 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 4 charges per day

Rates and terms are subject to change without notice. Dividends are calculated from date of deposit to date of withdrawal. Checking accounts are projections only, since dividends are paid from available earnings.

Truth In Savings Shares - Denali

Advantage Checking

If you’re a frequent banker, you may benefit from our Advantage checking account. This account is designed for those who making a high amount of transactions each month and offers the greatest benefits of all the accounts. With Advantage, you’ll be covered by free overdraft protection, and the added perks of reimbursed ATM fees and free check orders.