If you have direct deposit or any automatic payment from your account, then Positively Direct Interest Checking is for you. Earn a competitive interest rate, with no minimum balance requirement and no monthly service charge. This account also comes with a free debit card, free Online Banking with Bill Pay, free Mobile Banking with Mobile Deposit, and free paper or eStatements. Earn MyCapeRewards points on everyday purchases with your debit card. You even get a free order of welcome checks. Additional terms, conditions, and fees may apply.

Why Choose Positively Direct Interest Checking

  • Free transactions at all branch and Allpoint Network ATMs2
  • No minimum balance
  • No monthly service charge
  • Free debit card
  • Earn MyCapeRewards points for using your Coop debit card on purchase transactions!
  • FDIC and DIF insured
  • Free order of welcome checks1
  • Free Online Banking3
  • Free Bill Pay3
  • Free Mobile Banking with Mobile Deposit3
  • $25 deposit to open
  • Competitive interest
  • Free paper or eStatements
1One free order of basic style welcome checks.
2Other banks may charge a fee for the use of their ATM.
3There are no bank fees for this service, but standard wireless/data plan fees and/or text rates apply. Consult your provider.


Safety and Security. By combining FDIC primary insurance and DIF excess deposit insurance, we are able to provide our depositors full insurance on all deposits, no matter the balance. Visit our FDIC and DIF page for more information.

Find a surcharge-free ATM near you with this Allpoint Network ATM Locator.

Get Started with Positively Direct Interest Checking Today

Open An Account


Rates effective July 22nd, 2024
Positively Direct Interest Checking
With a daily balance ofWhat you get
Interest RateAPY*
At least $0.010.10%0.10%
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

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