Checking Accounts

The Choice Is Yours.
For most, everything begins with the right checking account. Think of it as the financial foundation for everyday life and money management, whether it’s your account for direct deposits and paychecks, or your primary source for daily expenses and paying bills. If you’re starting out, starting over or simply wanting more out of your checking, Chaco has three easy-to-manage checking options – plus the commitment to help determine which one is right for you.



No monthly service fee or minimum balance

ATM/Debit card available


Free online banking with bill pay

Unlimited check writing

$1,000 minimum balance

Dividend paid on monthly balances

Direct deposit required

No monthly fees with $1,000 balance

$5 month fee

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* Debit card available 90 days from account opening with a clear history.



Our Difference is Simple

When it comes to your financial plan, we understand what you need now and more importantly, what you need tomorrow. We are here to help you get the most out of both. Whether just starting out or preparing to retire, we help you become financially prepared and fully informed. At Chaco, we bring you the same expertise and competitive services as other institutions, but with the compassion and genuine care that can only come from being member-owned and operated. From CDs and savings to mortgages and more, we work to keep things simple when it comes to your finances – so you can focus on your life. And that makes a difference.