Free Checking Accounts — Local / Credit Union

Alabama

Citizens Bank and Trust: Northeast Alabama. Branches in Albertville, Arab, Athens, Guntersville, Hazel Green, New Hope, Oneonta, and Rogersville.

Arizona

American Southwest Credit Union: Cochise and Santa Cruz counties. Branches in Sierra Vista, Fort Huachuca, Bisbee, Douglas, Benson, and Nogales.
Credit Union West: Phoenix area and Prescott. Open to people who live or work in Maricopa or Yavapai counties.

Arkansas

Centennial Bank: Central Arkansas, and much of Florida
Citizens Bank and Trust Company: Van Buren

California

Credit Union of Southern California: Los Angeles area, Orange County and San Gabriel valley
Golden 1 Credit Union: Throughout California, but especially the Sacramento and San Francisco Bay areas. Open to residents of 34 counties: Alameda, Amador, Butte, Calaveras, Contra Costa, El Dorado, Fresno, Imperial, Kern, Kings, Lassen, Madera, Marin, Merced, Monterey, Napa, Nevada, Placer, Sacramento, San Benito, San Bernardino, San Joaquin, San Luis Obispo, San Mateo, San Francisco, Santa Barbara, Santa Clara, Shasta, Solano, Sonoma, Stanislaus, Sutter, Yolo, and Yuba.
Mid Cities Credit Union: South Los Angeles. Open to people who live or work in Compton, Carson, Paramount, Norwalk, Bellflower, Lynwood, or North Long Beach.
Redwood Credit Union: Northern SF Bay Area. Branches in Santa Rosa, Cloverdale, Glen Ellen, Napa, Novato, Petaluma, Point Arena, Rohnert Park, San Francisco, San Rafael, Sebastopol, Sonoma, Ukiah, Windsor.
SF Fire Credit Union: San Francisco
San Diego County Credit Union: Branches throughout San Diego County, and a few in Riverside and Orange counties.
San Jose Credit Union: San Jose
Technology Credit Union: San Jose area

Colorado

Bellco Credit Union: Mainly in the Denver area, plus a branch in Grand Junction.
Elevations Credit Union: Branches in Boulder, Westminster, Lafayette, Longmont, and Loveland.

Connecticut

Milford Bank: Branches in Milford and Stratford.
Naugatuck Savings Bank: Branches in Ansonia, Cheshire, Hamden, Meriden, Middlebury, Naugatuck, Oxford, Prospect, Southbury, Waterbury, Watertown, and Woodbury.
The Connecticut Bank and Trust: Branches in Glastonbury, Hartford, Newington, Rocky Hill, Vernon, and Windsor.

Florida

Centennial Bank: Central Arkansas, and much of Florida
Citizens Bank and Trust: Polk County. Branches in Auburndale, Bartow, Lake Wales, Dundee, Frostproof, Haines City, Lakeland, and Winter Haven.
Floridian Community Bank: Broward and Palm Beach counties. Branches in Davie, Delray Beach, Juno Beach, and Wellington.

Georgia

Georgia Bank and Trust: Augusta area
Georgia's Own Credit Union: Atlanta area
Northwest Georgia Bank: Northwest Georgia, and the Chattanooga area of Tennessee.

Idaho

Bank of Idaho: Southeastern Idaho. Branches in Ashton, Idaho Falls, Island Park, Pocatello, St. Anthony, and Twin Falls.
Idaho Banking Company: Boise area

Illinois

Consumers Credit Union: Chicago suburbs. Branches in Waukegan, Mundelein, Round Lake Beach, Gurnee, North Waukegan, and Volo.
DuPage Credit Union: DuPage county. Branches in Bloomingdale, Downer's Grove, Geneva, Naperville, and Wheaton.
First American Bank: Chicago area
First Northern Credit Union: Chicago area. Branches in Chicago, Evanston, Rockport, and Freeport.
Heartland Bank: Mainly central Illinois. Illinois branches in Bloomington, Bushnell, Carlock, Champaign-Urbana, Chenoa, Colchester, Countryside, Delavan, El Paso, Elwood, Eureka, Germantown Hills, Gibson City, Lexington, Mackinaw, Macomb, Metamora, Morton, Normal, Pekin, Peoria, Plainfield, Quincy, Shorewood, Washington, and Western Springs. Missouri branches in Canton, Kahoka, and Palmyra.
North Community Bank: Chicago northside
Republic Bank: Chicago area
Tech Credit Union: Northwest Indiana and parts of northeast Illinois. Open to members from the Indiana counties of Jasper, Lake, Newton, and Porter; and in Illinois, to residents of the Greater Calumet city area, Joliet, Crest Hill, Plainfield, and Grundy or Will counties.

Indiana

Finance Center Federal Credit Union: Indianapolis area. Open to people who live or work in Boone, Brown, Hamilton, Hancock, Hendricks, Johnson, Marion, Morgan, Putnam, or Shelby counties.
Forum Credit Union: Indianapolis area
Regional Federal Credit Union: Northwest Indiana. Branches in Hammond, Portage, and Valparaiso.
Tech Credit Union: Northwest Indiana and parts of northeast Illinois. Open to members from the Indiana counties of Jasper, Lake, Newton, and Porter; and in Illinois, to residents of the Greater Calumet city area, Joliet, Crest Hill, Plainfield, and Grundy or Will counties.

Iowa

American Trust: Dubuque, Dyersville, and Des Moines
Centris Federal Credit Union: Omaha area. Branches in Omaha, Grand Island, and North Platte, Nebraska, and in Council Bluffs, Iowa.

Kansas

Community Bank and Trust: Greater Joplin area

Louisiana

Bank of New Orleans: New Orleans area
Citizens Bank and Trust: Baton Rouge and Plaquemine
First Federal Bank of Louisiana: Mainly in the Lake Charles and Alexandria areas
Home Bank: New Orleans, Baton Rouge, and Lafayette areas
Red River Bank: Mainly in the Alexandria and Shreveport areas

Massachusetts

Bank Gloucester: Gloucester (Cape Ann)
CENTRALbank: Boston suburbs. Branches in Arlington, Burlington, Chestnut Hill, Malden, Medford, Melrose, Somerville, and Woburn.
City of Boston Credit Union: Boston area. Open to people who live or work in Norfolk or Suffolk counties.
East Cambridge Savings Bank: Cambridge and the northern Boston suburbs.

Michigan

EECU: South-central Michigan. Branches in Jackson, Spring Arbor, Hillsdale, and Michigan Center.
First Community Bank: Branches in Cheboygan, Harbor Springs, Petoskey, and Traverse City.
Wanigas Credit Union: Saginaw area. Open to people who live or work in Bay, Clare, Gladwin, Gratiot, Isabella, Midland, Osceola, Saginaw, or Tuscola counties.

Missouri

Community Bank and Trust: Greater Joplin area
Heartland Bank: Mainly central Illinois. Illinois branches in Bloomington, Bushnell, Carlock, Champaign-Urbana, Chenoa, Colchester, Countryside, Delavan, El Paso, Elwood, Eureka, Germantown Hills, Gibson City, Lexington, Mackinaw, Macomb, Metamora, Morton, Normal, Pekin, Peoria, Plainfield, Quincy, Shorewood, Washington, and Western Springs. Missouri branches in Canton, Kahoka, and Palmyra.

Nebraska

Centris Federal Credit Union: Omaha area. Branches in Omaha, Grand Island, and North Platte, Nebraska, and in Council Bluffs, Iowa.
Members Own Credit Union: Lincoln and Beatrice
West Gate Bank: Lincoln

Nevada

America First Credit Union: In Nevada, the Las Vegas area and Mesquite. In Utah, most major cities: the Salta Lake City, Ogden-Clearfield, Provo, Logan, and St. George areas.

New Hampshire

St. Mary's Bank: Manchester area. Branches in Manchester, Hudson, Londonderry, Milford, and Nashua.

New Jersey

First Financial: Monmouth and Ocean Counties. Branches in Freehold, Howell, Neptune, Toms River, and Wall.

New York

Bethpage Federal Credit Union: Long Island
CAP COM Federal Credit Union: Albany region. Open to people who live or work in Albany, Cohoes, Mechanicville, Rensselaer, Schenectady, Troy, Watervliet, or Green Island.
Madison National Bank: Long Island. Branches in Massapequa, Melville, and Merrick.
Northern Federal Credit Union: Upstate, northwest. Open to people who live or work in Jefferson County, Lewis County, or parts of St. Lawrence County.
Oswego County Federal Credit Union: Upstate, Oswego county.
Qside Federal Credit Union: Open to people who live or work in Flushing, Queens, New York City.
SECNY Federal Credit Union: Upstate, central. Open to people who live or work in Onondaga, Cayuga, Madison, or Oswego counties.

North Carolina

Mechanics and Farmers Bank: Branches in Charlotte, Durham, Greensboro, Raleigh, and Winston-Salem.

Oregon

Northwest Resource Federal Credit Union: Portland. Open to people who live or work in the central neighborhoods of Portland.
SELCO Community Credit Union: Central and Western Oregon. Branches in Eugene, Springfield, Albany, Salem, Bend, Redmond, and Florence.

Pennsylvania

Orrstown Bank: South/central Pennsylvania. Branches in Camp Hill, Carlisle, Chambersburg, Duncannon, Greencastle, Hagerstown, Mechanicsburg, New Bloomfield, Newport, Orrstown, Shippensburg, and Spring Run.
TruMark Financial: Philadelphia area

Tennessee

Cornerstone Financial Credit Union: Nashville suburbs
Northwest Georgia Bank: Northwest Georgia, and the Chattanooga area of Tennessee.
Paragon National Bank: Memphis area

Texas

Amplify Federal Credit Union: Austin area
Bank of Texas: Dallas/Fort Worth and Houston areas
City Bank Texas: Mainly Lubbock area, but also College Station, Dallas, El Paso, and Houston.
Community Bank: Longview area
Credit Union of Texas: Dallas area
Neighborhood Credit Union: Dallas area
Randolph-Brooks Federal Credit Union: Austin and San Antonio areas

Utah

America First Credit Union: In Nevada, the Las Vegas area and Mesquite. In Utah, most major cities: the Salta Lake City, Ogden-Clearfield, Provo, Logan, and St. George areas.
TransWest Credit Union: Salt Lake City

Virginia

Citizens Bank and Trust: Central Virginia. Branches in Amelia, Blackstone, Burkeville, Chesterfield, Colonial Heights, Crewe, Farmville, and South Hill.

Washington

BECU: Seattle, Tacoma, and the greater Puget Sound area
Opus Bank: Seattle area
Salal Credit Union: Seattle area
Seattle Bank: Seattle area
Verity Credit Union: Seattle area

Wisconsin

Landmark Credit Union: Milwaukee area