Here are a few reasons why you might want to study Free Checking.

  • Starting out? After an initial deposit of at least $5, there’s no minimum balance.
  • Saving for school? There’s no monthly maintenance fee.
  • Math issues? Get overdraft protection with auto-transfers from savings account.
  • Totally wired? Access free mobile banking using Workers’ iPhone®, iPad® or Android™ apps.
  • Logged on? Pay bills online and receive e-Statements for your accounts.
  • Go old school. Learn to use paper checks. $5.00 credit on first order of checks
  • Get carded. Account comes with a free MasterCard Check Card.

A First Lesson in Money Management

Saturday night dates. Summers at the beach. Blowing through money like it grows on trees. Oh, wait. The last part isn’t such a good idea. We can help you with your journey toward financial maturity with a checking account that has no minimum balance or monthly fees. It does, however, offer a lot of digital access so you don’t have to make a totally unhip trip to one of our branches.

Convenient Locations

Workers Credit Union provides banking services to greater Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Fitchburg, Orange, Lowell, Worcester and Athol, MA. Open your Free Checking account online or contact us with any questions.

Checking Account Tools

Free Checking PAIRS WELL WITH...

Not ready to make the jump? Take a look at some of the other options, we’re sure you’ll find what you were looking for.

Auto Loans

Get in gear with a Auto Loan as low as 4.25% APR*

cuSave Online Savings

Yes, we’re paying 1.00% interest. No, we’re not trolling you


*The minimum balance to open the Free Checking Account is $5. Overdraft Protections is available subject to credit approval. 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. Subject to approval, interest rates may change at any time. Text, data, and messaging rates apply for downloading/utilizing the app and text alerts

More for your money

As a member of Workers, you are enrolled in our GiveBack program automatically. Don't believe us, see how much you could earn each year. Plus, enjoy access to valuable member resources and programs.