Free Checking Accounts

Start your membership with a savings account and an initial deposit of just $5. Then you’re ready to choose a checking account.

Free Checking Accounts

Every checking account is free at Veridian. More options with no monthly fees - That's the value of Veridian.


0.05% APY** Dividend

Best if...

  • You want a simple checking account.
  • You don't want a credit card with your account.
  • You don't use a debit card regularly.

Premium Checking

1.75% APY** Dividend

Best if...

  • You regularly make purchases with your debit card.
  • Your direct deposit of your net income is sent to Veridian monthly.
  • You want to earn a premium interest rate^.

Premium Plus Checking

2.25% APY** Dividend

Best if...

  • You regularly make purchases with your credit card.
  • Your direct deposit of your net income is sent to Veridian monthly.
  • You want our highest checking account  interest rate^.

Earn interest on your balance based on your spending habits.

Compare and choose the account that's right for you.



Premium Checking

Premium Plus Checking

  0.05% APY**on all balances 1.75% APY**on all balances up to $15,000 2.25% APY**on all balances up to $20,000
Requires enrollment in eDocs
Requires direct deposit
Requires 15 debit card purchases monthly
Requires 15 credit card purchases monthly
  Open Account Open Account Open Account

Benefits of EVERY Veridian Free checking account

  • Tap to pay, and compatible with mobile payments (Apple Pay, Google Pay and more).
  • Turn your card on and off, and set spending limits with Card Control in digital banking.
  • Make unlimited transactions at Veridian-owned ATMs with no surcharge, or up to 10 transactions free at a SHAZAM Privileged Status Network ATM near you.
  • Card issued instantly on site. Choose a green or purple card!
  • Access your accounts, transfer money, pay bills, check your balance and more from online banking or the Veridian mobile app.
  • Use Remote Check Deposit on your mobile device.
  • Track your credit score for free with Credit Central.
  • Set email or text alerts for balances, transfers and due dates.
  • Easily open new accounts with Quick Apply.
  • No minimum balances.
  • No monthly fees.
  • Free Overdraft Protection.
  • Reorder checks online anytime.
  • Get paid early when your direct deposit is sent to Veridian.

Pair our Premium Plus Checking with our Visa Signature Card for max earning potential

Any Veridian Credit card qualifies you for a Premium Plus Checking Account, but only the Visa Signature Card lets you earn cash back on top of a premium interest rate.

$0.00 Annuals Dividends +
$0.00 Cash Back on Card Purchases °
$0.00 Total Earned Annually

This is an estimation tool for illustration purposes only. It assumes purchases are made with a Visa Signature Card, associated with a Premium Plus Checking account, which qualifies for the Premium Plus dividend yield each month. Actual results may vary.

Frequently Asked Questions

FAQs Icon

Ready to open your checking account?

Current members can open a checking account faster with Quick Apply in online banking.

** APY – Annual Percentage Yield. APY is accurate as of the last dividend declaration date and is subject to change after the account is opened. 1.75% APY paid on Premium Checking balances up to $15,000; 0.15% APY on funds exceeding $15,000. 2.25% APY paid on Premium Plus Checking balances up to $20,000; 0.15% APY on funds exceeding $20,000. APY is 0.01% if Premium or Premium Plus qualifications are not met.


^ To qualify for a premium rate, enrollment in eDocs, direct deposit of net income to an account under the membership, and a minimum of 15 card transactions, averaging $10 each, during the month, is required. ATM and cash advances do not count toward the 15 minimum, $10 average per transaction, monthly transaction requirement. Card(s) must be linked to the Premium/Premium Plus Checking account. Transactions must settle and post to the account between the first day of the month and the second to last day of the month. Transactions posted the last day of the month will be applied to the next month’s transaction totals.


° Assumes cash back rate of 2%, which requires inclusion in Loyalty Program by enrolling in eDocs and maintaining either direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will receive standard cash back rate of 1.5% if they fail to meet Loyalty Program qualifications during the month. Points toward cash back are earned at the time of purchase based on your current Loyalty Program status.

+ Assumes 2.25% APY (annual percentage yield) paid on Premium Plus Checking balances up to $20,000; 0.15% APY on funds exceeding $20,000. If minimum qualification requirements are not met during the monthly qualification cycle, the rate of .01% APY will apply to the entire balance of the Premium Plus Checking account



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Serving all 50 states digitally with branches in Iowa and Nebraska.

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