Personal Checking Accounts & Services

Tired of personal checking accounts that tie you down with minimums, fees, and special requirements? City & County Credit Union offers three checking solutions designed to make life easier and put you in control of your finances. 

  • iSelect Checking offers City & County members a wide range of features and the ability to customize your account.
  • Advantage Checking lets you earn a competitively tiered interest rate — the higher your balance, the more you earn.
  • AdvantagePlus Checking account is our top-of-the-line checking account with the most rewards, discounts and benefits.

More Saving. Fewer Fees.

Did you know our credit union members pay $360 less in monthly checking fees per year than the national average? Members pay less because we offer many free benefits like mobile banking, mobile deposit, online bill pay, and access to more than 52,000 free ATMs nationwide. What are you waiting for? Find the account that’s right for you and get started today.

Personal Checking Account Features           iSelect Checking

(select two checked options)

      Advantage Checking

  AdvantagePlus Checking

Minimum Balance None $2,500 $10,000
Free Online Bill Pay FREE Optional - with eStatements Optional - with eStatements
Overdraft Protection Optional FREE FREE
Debit Card Cash Back Rewards*
ATM Refunds*
One Free NSF per year*
Free Checks*
Monthly Interest*
Loan Product Discounts
Contact us to learn more about our checking account offerings Request More Info

Checking Account Benefits 

With a City & County checking account, you’ll enjoy several value-added features including access to more than 52,000 free ATMs nationwide as well as free online and mobile services including mobile banking with smartphone apps, eStatements and bill pay. In addition, City & County members can take advantage of our current promotions and cash back through Cash Perks.

City & County also can protect your account in the event you don’t have sufficient funds through courtesy pay coverage. In addition, if you apply for a City & County ;line of credit, your line of credit will automatically advance to cover overdrafts in the event there isn't enough money in your checking account.

Debit Card Benefits 

With the convenience of a City & County CU debit card or ATM card, you can withdraw cash surcharge-free at more than 52,000 ATMs around the country, make purchases at any merchant that accepts MasterCard and have the payment deducted from your checking account. Apply for a Cash-Back debit card at one of our Saint Paul-area Credit Unions

  • Cash Back Rewards – If you choose this feature as a part of your iSelect Account, you can earn rewards just for making purchases with your debit card. Each quarter, you'll receive cash back from qualifying purchases.
  • Cash Perks - Get cash back offers from places you shop every day, from coffee shops to retail stores. These offers can be easily activated in online and mobile banking, and the money will show up in your account each month. 
  • Nationwide ATM Access - Withdrawals made at any of the 28,000+ CO-OP Network ATMs or 24,000+ MoneyPass ATMs are free. That's access to 52,000+ ATMs surcharge-free!

Debit Card Alerts

Set up alerts to actively monitor your debit card usage. Set alerts for:

  • Purchases over a selected amount
  • International purchases
  • Online purchases
  • Declined purchases

Set Up and Monitor Alerts

MasterCard SecureCode

Register your City & County Debit Card with a password to protect it from unauthorized use when you shop online. Register your Debit Card Now


Do you love your checking account? Tell your friends! We would love yo meet your neighbors, friends, family or co-workers?

You and your friend can earn $25 each when you: 

  1. Fill out this form
  2. Give it to a friend
  3. You and your friend will receive $25 when your friend opens a new checking account with direct deposit

Start spreading the love and enjoying the benefits of belonging to a not-for-profit financial cooperative.

New member must open a checking account and set up direct deposit for new and current member to receive $25. The referral bonus will be deposited into both accounts once the first direct deposit is received. Referral form must be presented at account opening. Referring member must be in good standing. Offer is subject to change and cannot be combined with any other offer. New members only.

Take the Checking Challenge

 Not sure if City & County checking offers you more than your current bank? Take the City & County checking challenge (PDF).

Overdraft Transfer Fee = $3 per overdraft covered by transfer from linked savings or loan account

*Checking Account Features vary by checking account level. See the options below

iSelect Checking 
Choose two: Debit Card Cash Back Rewards, ATM Refunds, One Free NSF/Courtesy Pay per year, Free Checks, Interest - Paid Monthly

Advantage Checking
Includes: Interest Paid Monthly, Debit Card Cash Back Rewards, ATM Refunds, Free Checks, Free Overdraft Protection
Restrictions: $2,500 Minimum

AdvantagePlus Checking
Includes: Advantage Checking benefits, Plus Discounts on Loan Products
Restrictions: $10,000 Minimum

Tools & Resources

  • Calculators

  • Deposit Rates

  • Rates

  • Forms