Check Out Our Spending Account
And We'll Give You $100*

We Call It a Spending Account — Because That’s What It Really Is

Sure, it’s technically a "checking account," but who writes checks anymore?

This is your all-in-one Spending Account, built for the way you actually use your money. Here’s what you get:

  • A Visa® Debit Card for everyday spending
  • Apple Pay® and Google Pay™ for contactless payments
  • Online and Mobile Banking, including mobile check deposits
  • And yes—paper checks, if you still need them

Even better?

Open a new Free Spending Account with qualifying services and get $100* just for signing up!

Don’t wait, this is a limited time offer and won’t be around forever. Stop by a REGIONAL branch or call 1-800-762-7419 today!

*To be eligible for the $100 promotional reward, a new Basic Checking account must be opened between June 2, 2025, and July 31, 2025 (“Promotional Period”). All account applications are subject to our normal approval process. This offer is available only for new Basic Checking accounts and is limited to one reward per member. To qualify, the account must remain in active status for a minimum of sixty (60) calendar days from the date of account opening. Account activity requirements include: (i) enrollment and activation of a debit card; (ii) enrollment and activation of a digital wallet (e.g., Apple Pay, Google Pay, Samsung Pay); and (iii) receipt of one or more qualifying direct deposits totaling at least $300 within the 60-day period. A qualifying direct deposit is defined as an electronic deposit of your paycheck, pension, government benefits (such as Social Security), or other recurring income made by your employer or another outside agency. Upon verification that all eligibility requirements have been met, the $100 reward will be deposited into the members’ savings account within sixty (60) days following the end of the qualification period. The account must remain open and in good standing at the time of reward fulfillment. New Accounts must remain open for a minimum of six months, or a $25 early Closing fee will be applied. This promotional offer is non-transferable, may not be combined with any other offer, and is limited to one per member. REGIONAL reserves the right to modify or terminate this promotion at any time without prior notice. Member NCUA.

REGIONAL Checking: the Features You Need, the Benefits You Want 

Putting money in a savings account is a great idea, but most of us also need to use our money, too. REGIONAL Checking accounts give you easy access to your money, and when you add a Visa Debit card plus Online and Mobile banking, you have worldwide, 24/7 access to the funds in your account. Whether you're a young person working your first after-school job, want to rebuild your good standing with a mainstream deposit institution, or keep large balances in your account every month, REGIONAL has a Checking option for you. Stop by a REGIONAL branch or call 1-800-762-7419 today!

Free Checking

Free Checking is for our members who want a simple, hassle-free account with no monthly fees and no minimum balance.

Free Checking includes a no-fee Visa™ Debit Card for purchases, mobile and online banking access, and can be set up with direct deposit, overdraft protection and electronic alerts.

Not a REGIONAL member yet? Open your account online today!

Membership Application

Checking Plus

Checking Plus is a unique checking account for our members who want to maximize their returns, with interest paid on a minimum balance of $1,000 and a low monthly maintenance fee. Checking Plus also features a free Visa™ Debit Card, mobile and online banking access, and three non-REGIONAL ATM fees waived per month.

First Step Checking

First Step Checking is designed to help members who have had financial challenges and don’t meet the requirements for a Free Checking account…yet. This account helps rebuild good standing and establish a solid checking relationship with a mainstream financial institution while learning account management skills, with a low monthly fee.

REGIONAL has a full suite of products designed to help members build or rebuild credit and good standing. Learn more about the Steps Program here.

Next Generation Checking

Learning how to spend is an important part of learning to save. That’s why REGIONAL offers free Next Generation Checking to members ages 14 and up.

Next Generation Checking is a fully-functioning checking account, minus the paper checks, that includes a Visa™ Debit Card, mobile and online banking, and more.

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