Name Change Tip:
Your UICCU debit card, credit card, and checks will still work after our name has changed.

Free Checking

Monthly Service Fee

$0
No asterisk, No Fine Print

Surcharge Free ATMs

43,000
GreenState & Allpoint ATMs Nationally
300 Free ATMs in Iowa

Minimum Balance

None
No Minimum Balance, $50 Initial Deposit to Open

Debit Card

Free
Get your card for free.
Use your card for free.

What is Free Checking?

There are no hoops to jump through to make it free. It's just free. No monthly service charges to waive. No minimum balance requirements. It comes with free tools and services to help you manage your finances. The downside is that you won't earn any interest on your balance. We offer two profit sharing accounts that pay dividends on balances. Those accounts have no monthly service fee or balance minimums and they have great rewards when you meet basic activity requirements. Do you want to earn rewards for using your account? Rewards Checking or R2 Checking might be a better account for you.

Why choose this instead of Rewards or R2?

Great question! We encourage anyone who doesn't already have a profit sharing checking account to open a Rewards Checking or R2 Checking account. They offer great rewards when you meet basic activity requirements and they're still free even if you don't meet the requirements in a given month, you just don't get the reward that month. Free Checking is great as a second account or as a joint account because you can only have one Rewards or R2 account per individual.

Is there any dividend paid on balances?

No, there is not any dividend reward. We offer other accounts that pay great profit sharing dividends. If you don't already have a Rewards Checking or R2 Checking account we suggest opening one first as your primary account. You're welcome to open a free checking account as your primary account, you can always convert it to a Rewards or R2 account at a later date if you change your mind.

What else is included for free?

All GreenState checking accounts come packed with free tools and features to help you manage your finances including online banking, our mobile app, mobile pay and bill payer. Scroll down to see a list of tools included with every account. The only thing that isn't free are paper statements. We like to avoid paper waste whenever possible so e-Statements are free for everyone but members who opt to receive paper statements are charged a $2.50/month paper statement fee.

Who can join?

Membership is open to:

  • Anyone who lives or works in the state of Iowa and 4 counties in Illinois: Henry, Knox, Mercer, and Rock Island
  • University of Iowa students, staff, or alumni.
  • Direct relatives of current GreenState members.

How to join.

You can become a member by opening a share savings account with a $5 deposit. Members can open a new checking account with an initial deposit of $50. To get started you can apply online, stop by any branch location, or give us a call a (800) 397-3970.

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

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 Cards include extended warranty benefits, identity theft resolution assistance, price protection and more.  

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.

MyFi360 Financial Management Software

Take charge of your finances and budgeting. Connect MyFi360 to your accounts at any institution, set budgets, track cash flow and hit your goals.

Custom Text Alerts

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.

Testimonials

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.

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$50 initial deposit is required. 

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New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

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

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GreenState Credit Union does not charge for the Mobile App, however your cell phone carrier may charge for text and data usage.