North Island branches and Contact Center will be closed Monday, October 12, in observance of Columbus Day.
Digital Banking, ATMs, and the Automated Telephone Attendant will continue to be available as usual.

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Checking Rates

Checking Rates & Fees

Manage your daily finances with a checking account from North Island loaded with amazing features! Compare the benefits and services to choose the best account for you.
Account Type Minimum deposit to open and earn APY Dividend Rate APY
eChecking $25 n/a n/a
Personal Checking $100
  Personal Checking eChecking
Minimum Opening Deposit $100 $25
Monthly Maintenance Fee
Waived with
Paper Checks At cost 1 box free at account opening,then at cost
Dividends Yes, minimums apply3 No
Digital Banking Fee-free, optional Fee-free, included
Online Bill Pay Fee-free Fee-free
Account Alerts Fee-free Fee-free
Debit Card Optional Included
Co-Op ATM Access
at over 30,000 nationwide4
Fee-free Fee-free
Automated Telephone Attendant Fee-free Fee-free
Overdraft Protection Yes Yes
Direct Deposit of payroll and government checks Yes Yes
Find a branch | Call (800) 848-5654, option 5
Terms & Conditions
APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rates may change after the account is opened.
1$2 monthly fee also is waived with direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18.
2Applies to initial order of North Island checks at account opening. Other designs and subsequent orders available at cost.
3Effective April 26, 2014, balances over $10,000 earn a dividend rate of .05% (Annual Percentage Yield: .05%).
4All ATMs in the Co-Op Network are fee-free to North Island members. Co-Op is a nationwide network of over 30,000 ATMs owned by credit unions, including North Island, as well as participating 7-Eleven® store ATMs.
Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.