A digital checking account built for simple spending and easy access — so you can manage your money wherever you are 

Checking made simple for digital life

Digital Best Checking keeps everyday banking straightforward. With debit-only spending and easy online access, you can manage your money anytime, anywhere.

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Debit-only spending

Make purchases using your Visa® Debit Card without check writing, helping you stay in control of everyday spending.

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Early access to direct deposits

With Early Pay, you can receive eligible direct deposits up to two days early — giving you faster access to your paycheck or recurring income when it matters most.

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Waive the monthly service charge

The monthly service charge is waived when you set up direct deposit, keeping your checking simple and affordable.

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Manage your money digitally

Use online, mobile, and phone banking tools to check balances, transfer funds, and manage your account with ease. 

Open your Digital Best Checking account with ease

Getting started is simple. Open your account online in just a few steps and move forward with confidence, knowing we’re here to guide you.

01
Start your application online

Getting started with a checking account takes just a few easy steps. Many members can open their account in minutes, and we’ll guide you every step of the way. 

02
Set everything up in one place

Fund your account securely online, add a joint owner or beneficiary, enroll in online banking, and set up direct deposit — so everything is ready from day one. 

03
Start spending and managing digitally

Use your Visa® Debit Card and online banking tools to make purchases, track activity, and manage your money with clarity and confidence. Add your card to your digital wallet for secure, convenient payments from your phone or smartwatch.

Your questions, answered 

Digital Best Checking is a debit-only checking account designed for simple spending and easy online access. It is ideal for members who prefer managing their money through mobile banking or online banking rather than writing checks. 

Yes. Digital Best Checking has a $4.95 monthly service fee. The fee is waived when you set up qualifying direct deposit. 

No. Digital Best Checking does not earn dividends. This account is built for straightforward digital access and everyday debit card spending. 

No. Digital Best Checking is a debit-only account and does not include check-writing privileges. 

Yes. Member accounts at Allegacy Financial are federally insured by the National Credit Union Administration (NCUA) up to $250,000 per member, providing the same level of protection as other insured deposit accounts.