Accounts that are designed for you.

Our profit-sharing Rewards Checking and RewardsPlus Checking accounts reward members for having their primary checking account with us. Free checking offers all of the conveniences you expect, and it's actually free. We also offer Access Checking for members who need help rebuilding their credit.

RewardsPlus Checking

Maximize your earnings with RewardsPlus Checking. You’ll earn our highest checking account yield on balances up to $19,999.99 and 1% - 5% cashback on everyday purchases made with a GreenState Platinum Rewards or World Card. 

Learn more about RewardsPlus Checking.

Apply for RewardsPlus Checking.

Rewards Checking

Want to earn money for what you’re already doing? With Rewards Checking you can earn a premium yield on balances up to $14,999.99 and get up to $6.75 per month in ATM fee refunds.

Learn more about Rewards Checking.

Apply for Rewards Checking.

Free Checking

Note - Rewards and RewardsPlus Checking also have no monthly service fees. No monthly service charge, no minimum balance requirements, and access to over 70,000 Free ATMs nationwide. Free tools and services to help you manage your finances.

Learn more about Free Checking.

Apply for Free Checking.

Which Account is Right For You?

All checking accounts require a $50 initial deposit when opening the account.
New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

Checking Account Frequently Asked Questions

contactless card symbol

Contactless-enabled Mastercard Credit & Debit Cards

New and reissued GreenState credit or debit cards now come with contactless payment technology built in.

What are Contactless Cards? These cards use radio-frequency identification (RFID) technology to allow the user to simply hold the card near the card reader to process the transaction. There is no need to insert or swipe. Just look for the four curved lines on the card reader to see if it accepts the contactless method. When you hold your card to the reader, it securely authenticates your card information. Then the merchant’s point of sale system sends the transaction to the card issuer. The issuer then analyzes the transaction before approving it. The process only takes about 2 seconds.

Use your contactless-enabled card wherever you see the universal contactless payments symbol for a fast, safe & secure checkout. If the store does not have a contactless reader, you can simply use the conventional methods to process the transaction.

Did you know? GreenState debit and credit cards are compatible with popular mobile wallets including Apple Pay, Google Pay & Samsung Pay. Load your GreenState card to a contactless payments enabled smartphone or watch and use your device at checkout anywhere contactless payments are accepted.

 Locate businesses ready to accept Mastercard contactless payments near you.

Free Account Tools & Features

Every GreenState Checking Account comes loaded with free tools and features to help you manage your finances with ease.

24/7 Access to Online Banking

Check balances, transfer funds, customize fraud alerts and more! Online Banking puts all your GreenState accounts and loans at your fingertips.

Mobile app w/Remote Check Deposit 3

Online banking in your pocket! You can choose to sign in with your fingerprint (when available), deposit checks with your phone's camera, and stay on top of your finances on-the-go.

contactless payments icon

Mobile Payments Enabled

GreenState credit and debit cards can be used with your mobile wallet. You can load your card(s) onto your phone and make purchases at participating merchants wherever you see the contactless payment icon. Supported wallets include: Apple Pay, Android Pay, and Samsung Pay.

Free Mastercard Debit Card Loaded with Benefits

GreenState Mastercard Debit Card benefits  include Extended Warranty, Mastercard ID Theft Protection™, Satisfaction Guarantee, Mastercard Global Service and Mastercard Airport Concierge™.  

Online Bill Payer

Schedule instant transfers to pay bills. You can even have a check put in the mail when direct payment options aren't available.

Custom Text Alerts 3

Need to know when you're running low on funds? We can alert you. Want to know when there's any transaction over $100? We can alert you. Want to know when your card is used in a "card not present" transaction? We can alert you then too.

Overdraft Privilege Available

Mistakes happen. We'll let you choose how we should handle them.

This is where I’m at home. GreenState Credit Union has been a part of our family for over 40 years. My husband was fresh home from Vietnam, we moved up here for him to go to school. The credit union was always in the background helping us achieve our goals. From buying that first car to that first mortgage. I don’t know where we would have been had they not been willing to help us, all along the way.

Colleen M.

My husband and I are owner operators, meaning we own a semi and we haul products from point A to point B. If my husband does not run, we don’t get paid. When he was in an accident, the credit union had our back and we went to them and they did not hesitate to get us back on the road. They saw the situation and made us feel important, that we mattered. GreenState is family, I would never go anywhere else.

Susan C.

I’m a neuroscientist studying to get my PhD at the University of Iowa. I discovered GreenState Credit Union when I was looking for a house. The experience at first was scary because I had no clue what I was doing but GreenState really walked me through the process. I feel like I was cinderella and GreenState was my fairy godmother who led me to my prince charming, which happens to be my house. Without GreenState Credit Union, I would be giving up my money and now I get to save my money and put it into my dreams.

Deja N.

GreenState really means family, so they know you personally and they utilized that information to help you make good decision financially. I started a business that allows me to do what I’m passionate about everyday: work with kids and work with basketball. With the career change the first step we did is went to go to meet with the credit union. They’ve helped us through every change that our life has brought us. I feel like we’re ‘Darryl and Shawna’ and not a number, I feel like I’m a person at the credit union."

Darryl M. & Shawna M.

How to join.

If you live or work in Iowa or select counties that border Iowa (see full elgiblity list), you can become a member by opening a share savings account with a minimum deposit of $5. Members can open a new checking account with an initial minimum deposit of $50. To get started you can apply online, stop by any branch location, or give us a call at (800) 475-6728.

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e-Statements are free and encouraged for all accounts. Members who opt to receive paper statements will be charged a fee of $2.50 per month.

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RewardsPlus Checking must be linked to a separate GreenState credit card. RewardsPlus Checking account holders must use their credit card a minimum of 15 times per month averaging at least $10 per transaction to qualify for the rewards dividend. Members who choose a Platinum Rewards or World Card Mastercard will earn bonus points / cashback in addition to high yield on their checking. Visit the RewardsPlus Checking page to learn more. 

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GreenState Credit Union does not charge for the mobile app or text alerts, however your cell phone carrier may charge for text and data usage.

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APY is Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change after the account is opened. 1.50% APY paid on Rewards Checking balances up to $14,999.99, 0.15% APY paid on funds exceeding $15,000.00, and non-GreenState Credit Union ATM network usage fees will be refunded (up to $6.75) provided the following qualifiers are met each monthly qualification cycle: 1) Fifteen or more debit card purchases must post and clear the account and must average at least $10; 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances and non-GreenState ATM network usage fees will not be refunded for that cycle. May choose between e-Statements (free) or paper statements ($2.50 per month). Fees could reduce earnings.

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APY is Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rate is subject to change after the account is opened. 2.00% APY paid on RewardsPlus Checking balances up to $19,999.99 and 0.15% APY paid on funds exceeding $20,000. Requirements to earn premium yield 1) Fifteen or more GreenState Credit Union credit card purchases averaging at least $10 must post to the card between the first day of the month and the second to last day of the month. Transactions posted on the last day of the month will be applied to the next month's totals. 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances. Any points earned on the credit card will still accrue even if these requirements are not met. May choose between e-Statements (free) or paper statements ($2.50 per month). Fees could reduce earnings.