Free Debit Card Account

Monthly Service Fee

No asterisk, No Fine Print

Surcharge Free ATMs

GreenState & Allpoint ATMs Nationally
300 Free ATMs in Iowa

Minimum Balance

No Minimum Balance, $50 Initial Deposit to Open

What is a Free Debit Card Account?

A Free Debit Card account gives you easy access to your money. There are no fees to open the account and no minimum balance is required. You can manage your money with online banking and our mobile app. Once you’ve set up online banking, you can enroll in eStatements, set text alerts for when your balances are low, transfer money, and pay bills from the site. Deposit checks quickly by taking a photo with the mobile app.

What fees will I be charged?

All accounts require a $50 deposit to open the account, but there is no fee to open. There is no minimum balance required and no monthly service charge. If you would like to have a paper statement mailed to you, there is a $2.50 fee per month. You can easily avoid this fee by enrolling in eStatements. You will have access to 43,000 Free ATMs nationwide, and you can receive cash back for free at the register. If you use a non-GreenState ATM, you will be charged $1.75 per transaction, plus any fees the owner of that ATM may charge.

Who can join?

Membership is open to:

  • Anyone who lives or works in the state of Iowa and 10 counties in Illinois: Jo Daviess, Carroll, Whiteside, Rock Island, Henry, Mercer, Knox, Henderson, Warren, Hancock
  • 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.  

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.


$50 initial deposit is required. 


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


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


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