Here are a few reasons why you might want Free Checking:*

  • Just starting out? After an initial deposit of at least $5, there’s no minimum balance.
  • Trying to save? There’s no monthly maintenance fee.
  • Totally wired? Access free mobile banking using Workers’ iPhone®, iPad® or Android™ apps.1
  • Logged on? Pay bills online and receive e-Statements for your accounts.
  • 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.


Open a New Account

Convenient Locations

Workers Credit Union provides in-person banking services and financial coaching at locations in Worcester, Lowell, Fitchburg, Gardner, Chelmsford, Westford, Groton, Townsend, Lunenburg, Lancaster, Leominster, Athol, Hudson, and Orange, MA.

Open your Free Checking account online or contact us with any questions.

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 3.49% APR*

SaveUp Savings

Start saving big with just $5. The more you save, the more you earn!


Free Checking Account

  • Rates subject to change at any time without notice unless otherwise noted.
  • Offers may be withdrawn at any time.
  • Subject to membership eligibility.
  • Workers Credit Union membership required; minimum balance to open is $5, unless otherwise noted.
  • Annual Percentage Yield (APY) and rates are effective as of July 31, 2021.
  • Fees may reduce earnings. See our fee schedule for specifics.
  • Interest compounded daily and paid monthly.
  • Other institutions may impose a surcharge for use of their ATMs.
  • Any student or person under the age of 18 are eligible for any of our accounts as long as they have an adult joint owner who is 18 or older.

1Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.