A piggy bank.

Personal Checking Accounts

Three great account options, all with no monthly maintenance fee


Basic Checking accounts offer a hassle-free banking experience with no monthly maintenance fees. With easy access to online and mobile banking, account holders can manage their finances conveniently and securely.

Plus, members can enjoy the added benefit of nationwide ATM access through the CO-OP Network.

No minimum balance

Free eStatements

Free debit card



Designed for digital enthusiasts: With no monthly fees and exclusive rewards, it's perfect for avid Amazon, iTunes, and streaming platform users. Experience the future of banking with rewards that match your digital lifestyle.

Plus, ePerks checking accounts include all the features of Basic checking accounts.

Unlimited nationwide ATM fee refunds1

Amazon®, Disney +®, Hulu®, iTunes® or Netflix® credits, up to $5/month2

$15 signup bonus, to be used within the first 60 days of account opening3



Discover the ultimate checking account for those who seek to maximize their earnings. Our high-dividend checking account offers competitive interest rates that help your money grow faster. Watch your savings soar.

Plus, Prosper checking accounts include all the features of Basic checking accounts.

Unlimited nationwide ATM fee refunds1

High interest dividend rate of 5.00% APY** on balances up to $7,5004

5.00% - 0.05% APY** on balances over $7,500


A member setting in front of a laptop doing a video banking call.

A Better Banking Experience

A personal checking account at BluCurrent Credit Union gives you access to the latest banking services and features while joining a community that prioritizes your financial success. Take advantage of the many benefits our checking accounts provide, all while keeping your money within our local Springfield area.

Taking a picture of a check for mobile deposit.

Manage Your Finances with the BluCurrent Mobile App

It's your money, and we empower you to manage it anytime, anywhere. With our BluCurrent Mobile Banking App, you can deposit checks in just a few steps without needing to visit your nearest branch. You can also control your debit card settings, transfer money from one account to another, send ACH transfers, and review your savings progress for your next big purchase.

1 ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable.

2 Must be enrolled in eStatements and have 12 debit card swipes over $5.00.*

3 $15 signup bonus credited to eligible purchases made within the first 60 days of account opening. A member is not eligible to receive a second signup bonus if they have previously received the signup bonus on a propser or eperks account.

4 Must be enrolled in eStatements, have a bill/ACH payment, and have 12 debit card swipes.*

* To qualify for key benefits, please note that transactions must post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more business days from the date the transaction was made to post to and clear an account. Account disclosures, containing the required account information, will be provided to members before an account is opened or a service provided, whichever occurs first. Contact a BluCurrent representative for additional account details.

** APY = Annual Percentage Yield. The interest rate and annual percentage yield may change every month based on the determination of the credit union board of directors.