Here are just a few reasons why you might want Simple Checking.

  • Starting small? Fine. There’s no minimum balance.
  • Cost conscious? There’s never a monthly maintenance fee.
  • Bills to pay? We ease the pain with free, unlimited check writing.
  • Web savvy? Get free Online Banking access, and Online Bill Payment is available for $3.95 per month, which covers eight bills paid (additional payments are $0.50 each).

Simple Can be Such a Good Thing

Telephone marketers with loud voices. Car dealers with loud sportscoats. The world is full of people trying to sell you things you just don’t need. Not us. We recognize that some folks want a no-frills checking account that comes with a lot of value and very few rules. Simple Checking lets you write lots of checks with no monthly fees and no minimum balance. For many members of the silent majority, that’s just enough.

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 Simple Checking account online or contact us with any questions.


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!


Simple 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  • Offers may be withdrawn at any time.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.
  • 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.

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.