Checking & ATM/Debit Card

Our Checking Accounts are designed to fit the needs of all our members. 

Do you already have a checking account that you’d like to convert to a different Checking type? 

Click here to make the switch.

Use this quick comparison chart to help you get started.

Checking Grid

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First Choice Checking

Our First Choice Checking is designed for our members who carry high balances in their Checking accounts. Take advantage of 4.99% APY* interest on checking balances up to $10,000.00 and 0.01% APY for balances greater than $10,000.00. In order to receive monthly interest bonus, you must have a Debit Card and be enrolled in e-Statements. Plus, you must also have any 2 of the following:

  • VISA® Credit Card
  • Consumer Loan
  • Mortgage
  • Money Market, IRA or Share Certificate
  • ID Theft Program

Plus Perform 1 of the following:

  • At least 12 debit card transactions per month
  • At least 7 electronic transactions – ACH, e-Pay, e-Banking, Direct Deposit

Other Advantages:

  • 0.25% APY increase on new and renewed certificates (minimum 1 year)
  • 0.50% APR discount on new consumer loans
  • Member Referral Program – We’ll give you $25 when you refer a friend or family member to the credit union

Click here to open your account. Do you already have an account you’d like to switch to this type? Click here.

*APY = Annual Percentage Yield. In order to receive the interest bonus on the First Choice Checking accountholder must have a debit card and be enrolled in e-Statements; plus have 2 of the following: A VISA® Credit Card, consumer loan, a mortgage, a qualified savings product (Money Market account, IRA or Share Certificate), or be enrolled in the ID Theft program (VISA® or Moneyline Line of Credit must have $1000.00 balance or greater at end of calendar month to qualify); plus perform 1 of the following: At least 12 debit card transactions per month or at least 7 electronic transactions – can include electronic funds transfers, e-Pay, e-Banking, or Direct Deposit. Qualified transactions must post to the account during the monthly statement cycle. If each of these requirements is met at the end of the month, the interest bonus will be deposited at the beginning of the following month. Interest will be calculated based on the average daily balance method and will be paid at the rate of 4.99% APY for balances up to $10,000.00 and 0.01% APY for balances greater than $10,000.00. May be subject to 1099 reporting. Rewards and rebates will be paid on a per account basis. Only one account per member number. Rates are determined by the Board of Directors and are subject to change at any time without notice. Other terms and conditions may apply. Nutmeg State Federal Credit Union is federally insured by the National Credit Union Administration.

More-Than-Free Checking

Take advantage of:

  • ATM rebates up to $10 each month*
  • 50¢ cash back on debit card purchases*
  • ZERO monthly service charges or maintenance fees
  • Overdraft Protection and ID Theft Protection available
  • No minimum balance requirements
  • Free ATM transactions at all SUM and Co-Op Network ATMs

Plus, our More-Than-Free Checking comes with all the FREE electronic services you need. If you are new to Nutmeg, we must first open your basic savings account.

Click here to open your account. Do you already have an account you’d like to switch to this type? Click here.

*Must conduct 15 debit card transactions monthly in order to receive cash back or ATM fee refunds. There is a $10.00 cap for ATM refunds and a $15.00 cap on cash back. Qualified transactions must be debit card purchases over $50.00 in order to get cash back. ATM transactions do not qualify. Qualifying cash back transactions earn you $0.50 per transaction. Cash back amount of $0.50 is subject to change at any time. ATM transactions do not qualify for cash back purchases, but they do qualify for the fee rebate. Transactions must post to the account during the monthly statement cycle. This account requires you to sign up for free e-Banking, e-Statements and e-Alerts and have either free full direct deposit or at least two (2) ACH credits or debits post to your More-Than-Free Checking account during the monthly statement cycle. May be subject to 1099 reporting. Rewards and rebates will be paid on a per account basis.

Secure Checking

  • No minimum balance requirement
  • No per-check fee
  • Direct Deposit of your paycheck
  • Free ATM transactions at all SUM and Co-Op Network ATMs
  • $1.95/month service charge that includes ID Theft Protection
  • Overdraft Protection

Click here to open your account. Do you already have an account you’d like to switch to this type? Click here.


Second Chance Checking*

We think everyone deserves a second chance, and understand that it’s not always easy to qualify for a checking account. If you’ve had trouble managing your checking account in the past, we can help.

  • Minimum $50 deposit to open
  • $5 monthly service charge
  • ID Theft Protection available
  • Reloadable Debit Card
  • FREE e-Statements
  • FREE e-Banking and e-Pay

Contact us for more information.

*This account requires one monthly direct deposit. Direct deposit must be posted to the account within 30 days of opening. Account may be closed at anytime if the credit union determines fraudulent activity or account abuse. Other terms and conditions may apply.

ATM/Debit Card

Your ATM/Debit Card allows you to present your card in any store that honors MasterCard®. Your transaction will be treated like a credit card sale, except the money that you spend will be deducted directly from your checking account. Advantages include:

  • It’s a MasterCard®, ATM and checkbook all rolled into one.
  • Free ATM/Debit transactions.*
  • When you use your card, the funds are deducted directly from your NSFCU checking account.
  • There are no annual fees or finance charges.
  • It’s safer than carrying cash, and less hassle to tote around than your checkbook.
  • You can use your card to make purchases wherever the MasterCard® symbol is displayed.
*NSFCU cannot guarantee that other financial institutions will not impose a fee. Some products and services are subject to credit approval.TO REPORT A LOST OR STOLEN CARD CALL: 866.596.3062. For more information about how you can take advantage of the new ATM/Debit Card call 860.513.5000 (local); 1.800.526.6933 (nationwide) or click here to send us an e-mail. More and more ATM owners are charging convenience fees (often called ‘surcharges’) to non-customers who use their machines.Find fee free ATM locations near you: