Checking That Fits How You Spend
Your checking account should do more than hold money. Ours are built for everyday spending—with options that earn interest as your balance grows and reward you for using the tools you already rely on. Choose the checking account that matches how you manage your money, and let it work a little harder for you.
Why Use Digital-Only Banking?
“Your checking account is the hub for everyday spending, and digital banking makes it simple to manage from anywhere with the ease of your debit card and mobile pay. With easy access to your money, higher deposit rates, and lower borrowing rates, you get convenience without giving up value.”
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Checking Options
Money Market Checking
Higher earning potential with easy access
Earn interest with:
$5 minimum balance
- Designed for members who want their everyday money earning more—while still staying accessible.
Silver Checking
Simple earning with fewer requirements
Earn interest when you maintain:
$2,500 minimum balance
Tiered balances:
$2,500 – $15,000
$15,000.01 – $25,000
$25,000.01 & over
Gold Checking
A strong balance of earning and flexibility
Earn interest when you maintain:
$1,000 minimum balance
Tiered balances:
$1,000 – $25,000
$25,000.01 – $75,000
$75,000.01 – $150,000
$150,000.01 & over
To qualify, you’ll need:
eStatements enrolled
Bill Pay enrolled with 1 payment
3 ACH transactions (debit or credit)
6 ATM or debit card transactions
Platinum Checking
Best for higher balances and maximizing earning potential
Earn interest when you maintain:
$2,500 minimum balance
Tiered balances:
$2,500 – $50,000
$50,000.01 – $100,000
$100,000.01 – $250,000
$250,000.01 & over
To qualify, you’ll need:
eStatements enrolled
Bill Pay enrolled with 6 payments
3 ACH transactions (debit or credit)
4 debit card transactions
Want to see today's rates?
“If you’re curious how much you could earn, I’ve got the latest rates ready for you. Take a look and find the checking account that fits best.”
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What tools can you get with your checking account?
Your checking account comes with everyday tools—like checks, a debit card, and mobile pay—that help you move, spend, and manage your money with ease. They’re designed to work together, giving you flexible ways to pay whether you’re online, in person, or on the go.
Debit Card
Your debit card lets you pay directly from your checking account—online, in stores, or at ATMs. It’s quick, widely accepted, and makes everyday spending easy to track.
Mobile Pay
Mobile pay lets you use your phone or watch to pay instead of your wallet. It’s fast, secure, and convenient when you’re on the go or don’t want to carry cards.
Checks
Checks give you a simple way to pay people or businesses that don’t accept cards or digital payments, like rent or personal payments. You can write one when you need it, without needing cash on hand.
Where to Withdrawl Cash?
Use your Nugget Visa debit card at a local ATM to get cash – fee-free! Nugget is part of the CO-Op and MoneyPass ATM networks giving you access to 1,000s of ATMs across the U.S.
Everyday Help. Built In.
From simple tools to time-saving features, our convenience services are designed to make managing your money easier—so everyday tasks take less effort.
Pay Anyone
Mobile Check Deposits
Account Alerts
Early Deposit & Direct Deposit
Text Banking
Bill Pay
Transfer Funds
Card Security
Click here for Nugget Truth-In-Savings Disclosures