If you have at least one monthly direct deposit of a paycheck, pension or Social Security payment, you qualify for Free Direct Checking at USA One. This is our premium account, offering interest on your entire balance, 5 free USA One ATM transactions per month and one free box of safety paper checks each year.

You will also receive Overdraft Protection with your USA One Free Direct Checking account. Overdraft Protection covers your inadvertent overdrafts (up to $500), without the merchant ever knowing. It gives you security and peace of mind, even when your account balance is a little too close for comfort.

Free Direct Checking account benefits include:

• No minimum balance requirement
• No per Check Fees
• Free Debit Card
• Free ATM transactions in CO-OP ATM Network
• Free Online Banking
• Free Online Bill Pay
• No monthly service charges
• Overdraft Protection is available
• Five Free ATM transactions each month
• Free box of standard checks annually
• Earns interest on entire balance