Tell Your Friends, Family, and Coworkers

For a limited time, refer a friend to Unitus and you both get $100 when they open a Unitus Checking Account.*

Hurry, this offer ends April 30, 2026!

Join and Enroll

Refer A Friend and You Both Get $100*

When a new member joins, they’ll simply need to provide the name and either the email or phone number of the Unitus member who referred them. To qualify, the new membership must be established between February 1 and April 30, 2026.

Join and Enroll

With every Unitus Checking account, you'll enjoy:

  • No Annual or Monthly Service Fee

  • Free Mobile Deposit

  • Mobile Wallet and Contactless Cards

  • Free Access to Over 30,000 ATMs

  • Manage Your Account 24/7 From Anywhere

  • Full Service Branch Locations

Free Access to Thousands of ATMs!

Use your Unitus Visa® debit or ATM card to withdraw funds fee-free at any of our branch locations or CO-OP Network ATM. Your Unitus membership also connects you to the Pulse Network, which has 400,000 ATMs nationwide.

Find the checking account that fits your lifestyle

Unitus Checking Interest Checking
Best if you want:A truly free checking account.A checking account that earns interest.
Unitus Rewards:Yes - $.05 for every purchase over $5.00 and earn 5.00% APY** on those funds1No
Earns Interest:NoYes - 5.50% APY**. See qualifications to earn rate.2
Minimum Daily Balance Requirement:NoNo
Opening Deposit:$50$25

Open an account

Open an account

Unitus Checking

Best if you want: A truly free checking account.
Unitus Rewards: Yes - $.05 for every purchase over $5.00 and earn 5.00% APY** on those funds1
Earns Interest: No
Minimum Daily Balance Requirement: No
Opening Deposit: $50

Open an account

Interest Checking

Best if you want: A checking account that earns interest.
Unitus Rewards: No
Earns Interest: Yes - 5.50% APY**. See qualifications to earn rate.2
Minimum Daily Balance Requirement: No
Opening Deposit: $25

Open an account

A debit card that does it all

  • Swipe anywhere Visa® is accepted
  • No overdraft fees when you link your savings account
  • Contactless payment options – Link your card to digital wallets like Apple Pay or Google Pay for fast and secure checkout
  • Turn your card on/off instantly, wherever you are, with Card Management

I opened a checking account and gradually switched all my accounts to Unitus. I have the convenience of online banking, mobile deposits, and I can use an ATM at another credit union or 7-11 store with no fee.

JoAnn B.,  Member - Beaverton Branch

Access 24/7 digital banking and budgeting with our mobile app

  • A Unitus Visa® Debit card to use anywhere Visa is accepted
  • Link to digital payments like Apple Pay or Google Pay
  • Instant on/off debit card controls
  • Custom budgeting and savings goals
Download on the App Store Get it on Google Play

Checking FAQs

Disclosures

* For new member to receive $100 they must join Unitus between 2/1/26 and 4/30/26, Open a Unitus Checking account or Personal Interest Checking account, and have a qualifying direct deposit of at least $100 within 60 days of opening new membership. Qualifying direct deposit means a deposit through the Automated Clearing House (ACH) network only. Must not be a current member or a member within the last 12 months. Joint owners don’t qualify if currently on a checking account. Credit will post within 60 days after requirements are met. Referring member will also receive $100 if all requirements are met.

** APY = Annual Percentage Yield. Rate is variable and can change. Fees can reduce earnings.

1 Must enroll in Unitus Rewards Cash Back to start earning cash back and higher APY. Learn more about Unitus Rewards.

2 To qualify for the higher interest rate on Personal Interest Checking you must have/do the following each month: 1. Enroll in eStatements, 2. Log into Digital Banking, 3. Have at least 15 purchase-debit card transactions post to the account, 4. Have a deposit (direct, ACH transfer, or other deposit) of at least $250. If all requirements are not met interest will be paid at the lower interest rate of 0.25% APY for the full balance.

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