Open a Checking Account

Consider the benefits of opening a TOPCU Checking Account

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What some of our members are saying…

Stop paying so many fees

  • No monthly maintenance fees.
  • No minimum balance requirement.

60,000+ fee-free ATMs nationwide

Access your money when you need it with fee-free ATMs1 at stores like Walgreens®, 7-Eleven®, Target®, Circle K, and CVS Pharmacy®.

Current rates

Deposit Rates

Loan Rates


Auto Loan

as low as

7.15% APR*

Solar Loan

as low as

8.49% APR*


earn up to

3.80% APY*

Find the right solutions

Checking & Savings

Convenient, secure access and rewarding features such as cash back deals.

Credit Cards

Credit Cards with exceptional benefits. Find the one that’s right for you.


Put your investing ideas into action with exclusive tools and insights

Discover how our digital banking experience makes banking easier than ever

Enhanced performance and streamlined navigation will help make it easier to find what you’re looking for and breeze through your everyday banking.

Who’s ready for better?

Easy-to-use navigation A new Pay & Transfers hub, including Zelle®

We also partnered with NYDIG to allow you the chance to have your very own Bitcoin account through the TOPCU mobile app. This account allows users to purchase and hold bitcoin in a matter of seconds. It’s simple and easy to access right on your mobile devices.

Better is Here

  • Track Budgets & Spending
  • Access your credit score
  • Access to Zelle®
  • Purchase Bitcoin
  • Deposit checks
  • Make loan payments
  • Transfer funds
  • Link all your external account balances 
  • +More

A better way to budget

Know how much you can spend while still covering all your bills with TOPCU’s automatic budgeting feature.

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Terms and conditions apply. The Zelle® related marks are used under license from Early Warning Services, LLC.
1 Out-of-network ATM withdrawal fees may apply except at any Allpoint or Co-Op ATM. Rates are subject to change without notice.

A kid-friendly account with grown-up features

It Starts Here: Learn more about the benefits of being a TOP Star Kid!

Learn more

Stay in control with alerts

You’re always in-the-know with daily balance notifications and transaction alerts

Learn more

TOPCU is powered by 100% renewable solar electricity

Working for Our Planet and Our Community. Learn what we’re doing to reduce our carbon footprint.