Basic Checking

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411 on Basic Checking

Basic checking gives you a classic free checking account. There are no monthly service charges or a minimum balance you need to carry.

With basic checking you get:

  • No monthly service charge
  • No minimum balance requirement
  • 4 free non-Strata credit union ATM withdrawals per month
  • Free mobile banking apps
  • Free online banking & bill pay
  • Free MasterCard® debit card
  • Free E-Statements
  • Only $25 minimum deposit to open

Open Your Account Today

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Schedule an appointment
Open Basic Checking Account Today
Apply Online
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Toll Free: (800)336-5376

Mastercard Benefits

Currently have basic checking but want to earn rewards?

Strata credit union offers multiple checking accounts that offer rewards!

Some of these rewards include higher dividends on account balance, reimbursement for ATM fees nationwide, and cash back on account activity.**

Upgrade to Rewards Checking »
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There is no cost to use Bill Pay.


You can sign up for online banking on the home page of our website. Just click on “First Time Login” and we will guide you through it. Or click here to set up your online banking account.

Take your time back and log on to any computer to manage your accounts. Online banking lets you check account balances, review past transactions, transfer funds between accounts, and more.

Use Online Bill Pay to pay bills electronically, and save time and money. You can also set up alerts, reminders, and recurring payments to avoid getting a late payment fee.

  • Manage your accounts from your computer
  • Easy to enroll and navigate
  • View account balances
  • Review recent transactions
  • Make loan payments
  • Save time and money with Bill Pay
  • Set up alerts and reminders
  • Set up recurring payments

Register for online banking today!

There are ATMs at each of our branch locations.
As a member you get access to the CO-OP ATM Network! CO-OP’s nearly 30,000 ATMS and 5,000+ shared branches means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Click here to find an ATM near you!

For our members that utilize our Kasasa products, when you meet qualifications we refund ATM fees for any out of network ATM.

Please see our fee schedule below for fees.

Fees may reduce earnings. View our fees.


*Surcharges may be charged by the owner/operator of the ATM that are reimbursed by Strata Credit Union

**Qualifications apply. See financial representative for full details.

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