Free Checking from Denali

Simple Free Checking — the name is simple, not the service. Denali’s Simple Free Checking gives you free, secure and robust banking tools that we offer to all of our members. This includes Online and Mobile Banking that let you bank with ease everywhere 24/7 and gives you free access to more than 30,000 CO-OP ATMs across the U.S. Our senior members who are 65 and over get an added benefit of waived fees.

See the chart below for other great features of Simple Free Checking.

Feature or BenefitSimple Free
Earns Dividends 
Overdraft Protection*Yes
Reimbursed ATM Fees (up to $20 per month) 
Free Check Orders (up to $25 per order) 
Free Instant Issue Debit CardYes
Custom Photo Debit Card**Yes
Paper Statements***Yes
Overdraft Fees for Returned Items$30 per item
Bounce! Protection†Yes
Free Web and Mobile BankingYes
Free Online Bill PayYes
Free Access to CO-OP Shared ATMs and BranchesYes
Monthly FeeFree
How to Waive Monthly FeeN/A
Opening Deposit$25

* Overdraft protection: Free for Advantage, $7 per transfer for Simple and Opportunity, not available for Young Adult

** Custom Photo Debit Card: One card free for Advantage and Young Adult, $10 for Simple and Opportunity

*** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult

† $30 per item, up to a maximum of 4 charges per day