Checking Accounts | NET Credit Union
(570) 961-5300

Checking Accounts

Checking Accounts to fit your financial lifestyle.

Apply for Checking AccountTypes of Accounts

Free Digital Banking

Large ATM Network

Overdraft Privilege

Direct Deposit**

At NET Credit Union, we realize that everyone is unique. That’s why we’ve designed our checking accounts with so many benefits and options. We want to ensure we meet the different needs of all of our credit union members. You’ll also enjoy the ease and convenience of our free debit card, as well as access to Digital Banking.

A NET checking account gives you the freedom to manage and access your money through checks, a debit card or Digital Banking. It’s built for your convenience and with your busy lifestyle in mind! Access your accounts anytime, anywhere conveniently with NET Credit Union’s Digital Banking. If you’re connected to the Internet, you can connect to NET Credit Union from your computer, tablet, mobile device, or even a compatible smart watch.

Benefits of a NET Checking Account

  • Get your paycheck up to 2 days early** with Direct Deposit!
  • No Maintenance Fees
  • Digital Banking
  • Free Debit Card
  • Automatic Overdraft Protection from Savings
  • Surcharge Fee Free with CU$ Network – Find ATM
  • Check boxes available

Types of Checking Accounts

Share Draft

Qualifications

  • A NET Membership
  • No minimum balance
  • No minimum debit card transactions
  • No minimum deposit

    Rewards*

    • Surcharge Fee Free in CU$ Network
    • 4 Free Starter Checks
    • 1 Free Box of Basic Checks for Silver Savers (55+)
    • Overdraft Protection

    Digital Checking

    Qualifications

    • A NET Membership.
    • Minimum of 15 debit card transactions per month.***
    • $500 minimum monthly deposits into checking account.
    • Registered for eStatements.

    Rewards*

    • Surcharge Fee Free in CU$ Network + Up to $12 refunded for foreign ATM fees, deposited into Digital Saver.
    • Round-Up Feature to Build Savings
    • 1% Cash back on qualified debit card purchases – Up to $10, Deposited in Digital Saver.
    • Tiered Overdraft Protection Refund – Max $100 – Deposited in Digital Saver.
    • Higher Rate on Checking – Up to $10,000.
    • Higher Rate on Digital Saver – Up to $10,000.

    Checking Plus

    Qualifications

    • A NET Membership.
    • $500 minimum monthly deposits into checking account.
    • $25,000 average daily balance of shares/loans for the month.

    Rewards*

    • Surcharge Fee Free in CU$ Network + Up to $12 refunded for foreign ATM fees, deposited in Plus Saver.
    • Round-Up Feature to Build Savings

    • 1% Cash back on qualified debit card purchases – Up to $10, Deposited in Plus Saver.
    • Tiered Overdraft Protection Refund – Max $100 – Deposited in Plus Saver.
    • Higher Rate on Checking – Up to $10,000.
    • Higher Rate on Plus Saver – Up to $10,000.
    • 4 Free Starter Checks.
    • 1 Free Box of Basic Checks Annually.
    • Free Cashiers’ Checks.

    Digital Checking

    Digital checking, Digital Banking Mobile app. using online banking

    Are you Managing your Finances Digitally?

    If you typically manage your finances digitally rather than visiting a branch to perform transactions, a Digital Checking Account may be the best option for you! NET’s Digital Checking Account allows you to manage your money without ever entering a branch.

    By meeting the Digital Checking qualifications listed above, you can gain access to all of the rewards a NET Digital Checking Account has to offer. This account includes an increased rate on balances up to $10,000. Digital Checking members receive up to $12 of refunded ATM surcharges, as well as, 1% cash back on debit card purchases (earning up to $10). If your debit card is linked to your digital wallet, then those purchases count towards the rewards! You will also have access to a tiered Overdraft Protection refund (Max $100), which would be deposited into the Digital Saver.

    Our goal is to be the best place for you to bank by offering several different benefits and rewards to fit your checking needs.

    Checking Plus

    Maximum Rewards for Higher Balances.

    If your usual checking balance includes $500 of deposits and $25,000 average daily balance of deposits/loans for the month, then a Checking Plus Account may be the best for you!

    By meeting the Checking Plus qualifications listed above, you can gain access to all of the rewards a NET Checking Plus Account has to offer. This account includes an increased rate on balances up to $10,000. Checking Plus members receive up to $12 of refunded ATM surcharges, as well as, 1% cash back on debit card purchases (earning up to $10). If your debit card is linked to your digital wallet, then those purchases count towards the rewards! You will also have access to a tiered Overdraft Protection refund (Max $100), which would be deposited into the Plus Saver. A Checking Plus account also includes free starter checks, cashiers’ checks, and check boxes.

    Our goal is to be the best place for you to bank by offering several different benefits and rewards to fit your checking needs.

    Single Family Home

    Checking Plus

    Single Family Home

    Maximum Rewards for Higher Balances.

    If your usual checking balance includes $500 of deposits and $25,000 average daily balance of deposits/loans for the month, then a Checking Plus Account may be the best for you!

    By meeting the Checking Plus qualifications listed above, you can gain access to all of the rewards a NET Checking Plus Account has to offer. This account includes an increased rate on balances up to $10,000. Checking Plus members receive up to $12 of refunded ATM surcharges, as well as, 1% cash back on debit card purchases (earning up to $10). If your debit card is linked to your digital wallet, then those purchases count towards the rewards! You will also have access to a tiered Overdraft Protection refund (Max $100), which would be deposited into the Plus Saver. A Checking Plus account also includes free starter checks, cashiers’ checks, and check boxes.

    Our goal is to be the best place for you to bank by offering several different benefits and rewards to fit your checking needs.

    So Many Ways to Pay

    When you have a checking account with NET, you have access to several different payment options!

    illustration of a cell phone receiving a NET Early Direct Deposit Notification

    Get your paycheck up to 2 Days Early!**

    Check out NET’s Direct Deposit.

    Looking to Start Saving?

    older man on the phone taking notes to adjust his savings account
    Savings Account

    Whether you’re looking to save for a rainy day  or a special occasion, a NET Credit Union savings account can help you meet your financial goals

    Mom, Dad, Son, and Daughter enjoying their family time together
    Vacation & Holiday Clubs

    A stress free way to meet your savings goals. Clubs are a great way to keep your budget on track and prevent charging up your credit cards.

    Need Help Raising Your Credit Score?

    NET can help you raise your credit score so you can have the best rates possible on your loans!

    Reach Us

    Our headquarters are here in Scranton; but with our ATM network, digital banking and mobile app – we’re conveniently where you need us.

    119 Mulberry Street
    Scranton, PA 18503

    570.961.5300

    info@netcreditunion.com

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    *Benefits & Rewards are only earned if qualifications are met on a monthly basis. If monthly qualification have been met, payments will be received at the end of each month.

    **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Subject to change at any time.

    ***Minimum of 15 debit card transactions posted each month (excluding ATM) and must receive monthly statements electronically.