A checking account with interest?  Believe it.  Workers understands you work hard for your money and you shouldn't be nickeled and dimed for something you need for everyday living.  That's why we created Xtreme checking.  It's an interest checking account that will never charge you any fees.  Because that's the way banking should be.

Compare our checking account features here.

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All Workers Checking Accounts are included in the GiveBack Program.


It's easy to join Workers, just open a $25 savings account in any branch. We can make switching your account easy.



Free Checking Account

Xtreme Checking

1.75%APY[1]         0.40%APY[2]
Balances of $0 - $25,000 AND          Balances over $25,000 OR

0.10% APY[3]  Earned if requirements are not met


Want interest checking with no fees?  Workers Xtreme Checking is a free checking account that can earn you a higher interest rate.


  • No fee checking account with no minimum balance to earn interest
  • 24/7 account access to your checking account with iPhone®, iPad®, Smart Watch and Android™ Apps
  • Free Online Bill Pay
  • Get reimbursed up to $10 per month in fees from other bank ATMs
  • Our credit union checking account requirements must be met each statement cycle

[1]To earn these rates, you must do these three things: 12 debit transactions, have an eStatement and one Direct Deposit or ACH per statement cycle. Free ATM fee refunds up to $10 per statement cycle when requirements are met. The  1.75% Annual Percentage Yield (APY) is earned on balances between $0 and $25,000. [2]For amounts greater than $25,000, a  0.40% APY will be earned. These rates can change at any time. [3]Our credit union checking account requirements must be met during each monthly statement cycle to earn these APYs. If not met, your account will earn  0.10% APY, and you will not receive ATM refunds for that monthly statement cycle. Rates as of March 10, 2015 . The minimum deposit amount to open an Xtreme Checking  account is $25. No minimum balance required to earn interest. No monthly service charge. A $25 membership savings account is required. Available to personal accounts only. Please review the complete Xtreme Checking Truth in Savings Disclosure for complete details on using your checking account. *Information on bank national rate averages can be found here. The deposit rates of credit unions are not included in the calculation.

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Big Picture Checking

Our Big Picture credit union checking account gives you the benefit of free unlimited check writing - plus you can choose to either maintain combined deposit balances of $5,000 or combined deposits and loans of $25,000.*

  • FREE unlimited check writing
  • FREE unlimited foreign ATM transactions
  • FREE online Bill Pay
  • FREE first order of 20 checks
  • Pays dividends

Other accounts that qualify when opening a Big Picture Checking Account:

  • Big Picture Super Savings Account
  • Personal Money Market Account

*APY(Annual Percentage Rate). Combined deposits of $5,000 or more or combined loans & deposits of $25,000 or more. A service charge is applied when the combined daily balance falls below the minimum during the monthly statement cycle. Please refer to our fee schedule or account information brochure for complete details on using your checking account.

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Student Checking

Free checking for students, get easy access to your finances, with a credit union checking account that has no-cost minimums.


  • No minimum balance
  • No monthly maintenance fee
  • Overdraft protection with auto-transfer
    from savings
  • Free Online Banking and Bill Pay
  • Free mobile banking using Workers iPhone®,
    iPad®, or Android™ Apps
  • Free first order of 20 checks
  • Free eStatements
  • Free MasterCard® Check Card

Stop by any Workers branch to open a Student Checking Account

*Student must be 16 to 25 years of age and be a full-time student. The minimum balance to open the Student Checking Account is $25. Overdraft Protection with auto-transfers from savings accounts is $5 per transfer. Other institutions may impose a surcharge for use of their ATMs. Please review Important Account Information brochure for complete details.

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Just Checking

Workers Just Checking is the perfect account if you just want to write checks with no minimum balance.


  • No minimum balance
  • Free first order of 20 checks
  • Unlimited check writing
  • No monthly maintenance fee
  • Online banking access*

*Online Bill Payment is available for $3.95 per month, which covers 8 bills paid. Additional payments are $0.50 each.

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Interest Checking

With Interest Checking, you'll not only earn dividends, but you will earn a higher rate when your minimum daily balance is $2,500 or more*.

  • Balances of $2,500 or more will earn a higher rate
  • Unlimited check writing
  • Four free foreign ATM transactions each month
    ($1.00 per thereafter)***

*A service charge is applied when the combined daily balance falls below the minimum during the monthly statement cycle. ***Additional fees may apply and other institutions may impose a surcharge for use of their ATM's. Please refer to our fee schedule.

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