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An everyday account with no fuss, no fees, no minimum balance, and optional direct deposit.

Earn dividends on your balance and enjoy all the conveniences of banking with Maps—plus exclusive perks like unlimited ATM transactions and checks.

A checking account for members 55+ that offers dividends on balances over $750, plus a suite of other perks.

Free Community Checking

Our most popular account

Making a difference is worth every penny. This easy, fast, and free account allows you to do everything from paying bills and making deposits to shopping online or swiping your card for gas. Plus, every time you swipe your Free Community Checking debit card, Maps donates a penny to community causes—at no cost to you. It may seem small, but it adds up to a lot. Last year, account holders raised more than $100,000 by simply buying groceries, paying for coffee, or picking up lunch.

  • No monthly service fees
  • No minimum balance
  • No limit on checks
  • Free debit card with debit Mastercard benefits
  • Get paid up to two days earlier with Maps direct deposit**
  • Free unlimited CO-OP ATMs

$25 minimum opening balance.

When you want higher dividend

Our President’s Club Checking is perfect for those who keep higher balances and want executive-level perks like dividends based on balances and exclusive club checks.

  • Unlimited check writing
  • Free President’s Club checks (or $5 credit towards designer checks)
  • Free cashier checks
  • Free debit card with debit Mastercard benefits
  • A .10% APY% bonus on standard certificate accounts
  • Get paid up to two days earlier with Maps direct deposit**
  • Free unlimited CO-OP ATMs
  • Waived ATM transaction fees at non-Maps ATMs

$25 minimum opening balance. $750 minimum average daily balance to earn dividends. $30,000 minimum in combined loans or deposits to avoid $7.50 service fee.

Maps Credit Union will add 0.10% to Certificate of Deposit (CD) rates. This offer is only available when a new standard CD account is opened.

0.20%APY*$10,000 and above


Additional Rate Info

Passport Checking

Perfect for members 55+

Somethings just get better with age. Wine…cheese…and checking! Our Passport Checking account option is exclusive to our members 55+ and offers a host of freebies as well as dividends on accounts with an average daily balance of $750.

  • Dividends on average monthly balances of $750+
  • No service charges
  • Unlimited check writing
  • Free box of Passport checks
  • Free debit card with debit Mastercard benefits
  • Get paid up to two days earlier with Maps direct deposit**
  • Free unlimited CO-OP ATMs

$25 minimum opening balance. $750 minimum average daily balance to earn dividends.

Frequently Asked Questions

General FAQs

What is the Maps routing number?

The Maps Credit Union routing number is 323276388.

You can also find the routing number at the bottom of our website and at the bottom of your checks. The first 9 digits are the Maps routing number. The remaining numbers are your account number.

What is my account number?

To find your account number in Digital Banking, follow these steps:

  1. Log in to Digital Banking.
  2. Select your desired account (such as your Free Community Checking account).
  3. Click on the “I” icon next to the heading “Account Information”.
  4. Within this section, you will see additional information about the account including your account number, the credit union routing number, and YTD interest/dividends earned (if applicable).

Please note: some account types (such as Member Rewards Savings) will not display a “Full Account Number.” This type of account does not include a direct deposit feature or the ability to make electronic transactions requiring an account number.

You can also find the routing number and your account number at the bottom of your checks.

Why do I have to have a Membership Savings Account?

Your membership share account is your share of the credit union. Being a share owner of Maps Credit Union makes you a member and gives you credit union voting rights. Unlike banks that are owned by corporations and investors, Maps is a not-for-profit financial institution that is owned by its members.

The profits we make go back to our members in the form of higher interest rates on checking and savings accounts, lower fees, and lower loan rates. So, if you’re looking to take out an auto loan, a home loan, or a personal loan, we can offer you our best rates. Our motto is, “Every Member Benefits” and our main goal is to serve every member equally.

Are my funds insured?

Yes, your funds are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Please refer to for additional information on insurable limits.

Checking FAQs

Do you require a minimum monthly balance for checking accounts?

Our Free Community Checking account requires no minimum balance.

My debit card is expiring soon, when will I get a new one?

New debit cards are mailed to members the first week of the month that the card is set to expire. If you do not receive your new card, please contact us at 503.588.0181 or visit a branch for assistance.

What are your overdraft fees?

Please refer to our Fee Schedule for current overdraft fees.

We also offer overdraft protection so you can save yourself the hassle of excess fees. You may link any of the following account types to your Free Community Checking account to cover overdrafts:

  • Membership Savings Account
  • Indexed Money Market Account
  • Premium Money Market Account
  • Personal Line of Credit
  • Home Equity Line of Credit
  • Debit Mastercard

If you would like to add or make changes to your overdraft protection setup, contact us.

What’s the easiest way to see my checking account balance?

You can find your account balance on our mobile app, in online banking, at a Maps or CO-OP ATM, by visiting one of our 10 branches, or by calling us at 503.588.0181.

I forgot my wallet. Can I view my debit card from my phone?

Yes. If you log into mobile banking and select your checking account, you’ll find a “View My Card” option in the “Additional Information menu at the bottom of the page.

How do I order checks?

Contact your local branch and they would be happy to set you up with new checks. You can also call us at 503.588.0181

How do I get a debit card for my checking account?

When you opened your checking account, you should have received a debit card. If you open an account online, you can visit any branch to pick up your debit card.

If you believe your card is lost or stolen, please contact us immediately at 503.588.0181 or stop by a branch so we can permanently block the card and send you a new card with a new number.

Do you offer payroll direct deposit? If so, how do I set it up?

Yes! Just fill out the Maps Direct Deposit Transfer Request Form form and return it to your employer or the agency responsible for your payments. You can also set up Direct Deposit in our mobile app. Just open your profile, click on the account you would like to link your payments to and scroll down to the “Additional Information” menu. There, you will find a link to set up Direct Deposit.

Can I add my Maps card to a mobile wallet?

Absolutely! If you would like to add your Maps debit and credit cards to your digital wallet, you can do so by following the steps (for manually adding a card) as detailed in the app of your choice.

Is mobile wallet available on my phone or tablet?

Each mobile wallet has its own specifics on the phones and tablets it’s available on.

  • Apple Pay: iPhone 6 and above.
  • Android Pay: 4.4 version and above.
  • Samsung Pay: Galaxy S8, S7, S6, Galaxy Note5, Gear S2 (with NFC only), and Gear S3.
Does a mobile wallet cost me anything?

No. Maps does not charge a fee for our members to use a mobile wallet. The mobile wallets are free to download.

The convenience of Maps right at your fingertips.

  • Access your accounts 24/7
  • Deposit checks on the go
  • Open new accounts or pay bills inside the App
Download on the Apple App Store
Get it on Google Play
Maps Mobile App

Sign up for direct deposit

** Early Direct Deposit availability depends on the timing of the payor’s payment instructions, and fraud prevention restrictions may apply. Therefore, availability or timing of Early Direct Deposit may vary from pay period to pay period. Make sure your name and social security number, and the credit union routing and account number on file with your employer or benefits provider matches what’s on your Maps Credit Union account. We will not be able to deposit your payment if we are not able to match recipients.

How to stop a recurring payment on a debit card

Rates good as of effectivedate and are subject to change without notice. *APY = Annual Percentage Yield. Fees can reduce earnings.

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