Everyday checking options built to support how you manage money with simple tools, real guidance, and local support you can count on.
Whether you’re managing monthly bills, building new habits, or just looking for a better way to manage your money day to day, our checking account options are designed to meet you where you are
Our most popular account helps your everyday balance work harder — with up to 3% APY* on balances up to $25,000 when monthly qualifications are met, plus ATM fee refunds and no monthly fees or minimum balance. That means fewer costs to think about and more freedom to focus on what matters most in your day.
Designed for members who want more from their everyday checking. Earn up to 3% APY* on qualifying balances with SmartRate Checking, and maximize the value of your daily spending account.
A straightforward checking option designed for everyday needs, with the flexibility and personal support you expect from Allegacy.
Built for members who prefer to manage their money primarily online. Digital Best Checking is for members who are comfortable banking digitally and want a simple, efficient way to handle everyday transactions.
Get ATM fees refunded and earn up to 3% APY* on qualifying balances up to $25,000
$50 opening balance
Early pay for eligible direct deposits and an Allegacy Visa® Debit Card
No monthly service charge or minimum balance required
$50 opening deposit
Free checks with direct deposit and an Allegacy Visa® Debit Card, plus the option for overdraft protection
Early pay for eligible direct deposits and an Allegacy Visa® Debit Card
$3 monthly service, or free with an average monthly balance of $250
A totally digital account with no checks
$50 account opening deposit
Early pay for eligible direct deposits and an Allegacy Visa® Debit Card
No monthly service charge or minimum balance required
Linked directly to your checking account, the Visa® Debit Card is a debit card that lets you make everyday purchases almost anywhere in the world, pay bills, and manage spending without carrying cash or writing checks – all with built-in fraud protection for peace of mind.
*APY = Annual Percentage Yield.
¹SmartRate Checking: When requirements are met, APY for balances over $25,000 will vary based on the account balance and reflects a blended rate. Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. If account requirements are not met, all balances earn 0.05% APY. Requirements include enrollment in eStatements, at least 20 debit card transactions per cycle, and one direct deposit or ACH debit per cycle. Up to $25 in ATM fees will be refunded per month when requirements are met. A $50 minimum deposit is required to open the account. Fees could reduce earnings on the account.
