Choosing a Checking Account often feels like a compromise. You want an account with no fees and no frustrating minimum balance requirements, but you also want to feel good about where you put your money. At Maps Credit Union, we believe you deserve both. Our Free Community Checking Account is more than just a place to manage your finances; it’s a way to invest in the future of Oregon with every purchase you make.

This is a Checking Account that works for you and for your neighbors. It’s built on a simple, powerful idea: banking should be a force for good.

Open a Free Checking Account That Builds a Stronger Oregon

Imagine if your daily coffee run, grocery trip, or gas fill-up could help fund local education and community projects. With a Maps Free Community Checking Account, it does. This is the core of the Maps difference. Every single time you use your Maps debit card for a purchase, we
donate a penny to the Maps Community Foundation. It costs you absolutely nothing, but the collective impact is enormous.

Last year alone, our members helped raise more than $100,000 just by using their debit cards for everyday spending. These funds go directly back into our Oregon communities through teacher innovation grants, student scholarships, and support for local non-profits. While other financial institutions offer one-time sign-up bonuses, we offer a way to make a lasting, positive difference, day after day. This isn’t a temporary promotion; it’s our permanent commitment to the people and places we serve.

All the Features You Expect From a Great Checking Account, With None of the Fees

Choosing an account that does good doesn’t mean sacrificing convenience or powerful features. Our Free Community Checking Account is designed for modern life, giving you all the tools you need to manage your money easily and effectively. We provide the robust features you demand, all without the frustrating fees you’ll find elsewhere.

Truly Free Banking

When we say free, we mean it. Unlike other accounts that may have hidden requirements like mandatory e-Statements to avoid a fee, our Free Community Checking Account is straightforward. With only a $25 minimum opening deposit, you get:

• No monthly service fees.
• No minimum balance requirements.
• No limit on the number of checks you can write.
• Free tap to pay debit card

It’s simple, transparent, and designed to save you money.

Get Your Paycheck Up to 2 Days Earlier

Why wait for payday? When you set up direct deposit with your Maps Free Community Checking Account, you can get access to your paycheck up to two days earlier than your scheduled payday. It’s an automatic benefit that helps you manage your cash flow, pay bills on time, and reduce financial stress.

Access to Over 30,000 Surcharge-Free ATMs

Your money should be accessible wherever you are, without paying extra for it. As a Maps member, you get free, unlimited access to the CO-OP ATM network, which includes over 30,000 ATMs nationwide, more than many of the biggest banks offer. You can even make surcharge-free deposits at 9,000 of those CO-OP ATMs. Whether you’re in Salem, Portland, or traveling across the country, you’re never far from your cash. Find a Maps branch or surcharge-free ATM in Oregon to see how convenient it is.

Powerful Digital Banking Tools

Manage your finances on your schedule with our secure and intuitive digital banking platform. With the Maps Mobile App and Online Banking, you have a full-service branch right at your fingertips. You can:

• Deposit checks from anywhere using your smartphone.
• Pay bills quickly and securely.
• Transfer funds between your accounts.
• Open new accounts or apply for loans directly within the app.

Why Choose a Credit Union in Oregon Over a Bank?

If you’re discovering Maps for the first time, you might wonder what makes a credit union different from a traditional bank. The answer lies in our structure and our mission. Unlike banks that are owned by corporate stockholders and investors, Maps is a not-for-profit financial institution that is owned by its members. That means you.

This fundamental difference changes everything. Because we don’t have to generate profits for outside investors, we return our earnings to our members. This comes back to you in the form of better rates on Savings Accounts, lower rates on loans, and fewer, lower fees across the board. Our focus isn’t on quarterly earnings reports; it’s on your long-term financial wellness and the health of our shared Oregon community. Our members often describe our team as friendly, helpful, and inclusive, because our goal is to be your financial partner for life.

Answering Your Questions About Our No-Fee Checking
Account

We believe in making banking simple and transparent. Here are answers to some of the most common questions about opening a Free Community Checking Account with Maps.

How much do I need to open an account?

You can open your Free Community Checking Account with a minimum opening balance of just $25. This is a low, accessible amount to get you started with all the benefits of being a Maps member.

How do I become a member of Maps Credit Union?

Membership at Maps is open to anyone who lives or works in the Greater Western Oregon Region. Our community-based charter makes it easy for thousands of Oregonians to join.

Can I access my account number online?

Yes. For your convenience and security, you can easily find your full account number within our Digital Banking platform. Simply log in to your account, select your Free Community Checking Account, and you will find the details you need for setting up electronic transactions.

How do I set up direct deposit?

Setting up Direct Deposit is simple. You can complete the process directly within our Mobile App or by filling out our Direct Deposit Transfer Request Form and providing it to your employer or the agency that handles your payments. It’s the easiest way to start getting your paycheck up to two days early.

Open Your Oregon No-Fee Checking Account in Minutes

You’re ready for a better banking experience. One that’s truly free, packed with powerful features, and makes a real difference in your local community. Join the thousands of Oregonians who have discovered the benefits of banking with a purpose. The application process is fast, secure, and can be completed entirely online.