Accounts That Work For You


Online. Checkless. Simple. Learn More

Free Checking Account

Zero minimum balance.
Zero monthly fees.
Did we mention there’s free checks, too? Learn More


Banking, with benefits.
Save money with a loan rate discount. Learn More


Make money with your money. Get paid to bank — earn dividends and bonuses with Investment Checking. Learn More

Features Every Directions Checking Account Includes:

Debit Card Rewards

Earn two types of rewards when you use your Directions Debit Card:

Buzz Points™ Rewards: Sign up for Buzz Points™ and turn your everyday purchases into rewarding experiences! It’s easy, it’s free and it supports local businesses!

Visa ScoreCard™ Rewards: All members with a Directions Visa Debit Card are automatically enrolled. Accumulate points through qualified purchases and redeem them for top name brand items, airfare, hotels, travel packages, and more.

Learn more about both of these great Reward Programs.

Smiling Woman using her laptop for banking.Smart phone showing the Directions CU website.Online & Mobile Banking

Online banking gives you secure, 24-hour access to your accounts. You can view your accounts, apply for loans, order checks, enroll in Bill Pay, and much more.

Mobile banking gives you convenient, on-the-go options for managing your bank accounts. With features like Remote Deposit Capture, your phone becomes a true banking branch on-the-go.

Account Alerts

Get your Directions account information via email or mobile text message with CUAlerts. Enjoy the flexibility to customize alert type, frequency, and location for your convenience.

Nationwide ATM Network

Partnering with Alliance One, one of the nation’s largest selective-surcharge free ATM groups, gives our members access to over 5,000 free ATM locations across the US, including the District of Columbia and Puerto Rico.

Overdraft Protection

Apply for an Overdraft Line of Credit by calling 419.841.9838. This is a loan attached to your checking account. If you run out of money, the line of credit can pay for expenses so that you don’t bounce checks or miss payments, or have your debit card denied.

Opt in for Courtesy Pay and stay protected. We understand life doesn’t always go according to plan, and overdrafts do occasionally occur. For a small fee, this service gives Directions the authorization to pay checks, ATM transactions, debit card transactions, and ACH charges in situations where you may not have sufficient funds in your checking account to pay (cover) them.

Four Checking Options Available

Middle aged man relaxing on his couch while he checks his bank statement

eChecking eChecking

Perfect for people who love doing their banking online, eChecking* accounts offer convenience, flexibility, and rewards as well.

  • Checkless
  • Pays you back — earn dividends on all account balances
  • No monthly maintenance fee
  • No monthly minimum balance
  • Always online

*eChecking accounts require customers to use online banking, eStatements and CUAlerts.

First Checking Account?

eChecking is a great first checking account.  There are no checks to buy and you access your money with a debit card. With free online banking, email/text alerts and mobile check deposit, it’s easy to manage your account.  Earn a one-time financial forgiveness for NSF “Oops Coupon” for successfully completing our online course MoneyEd: Managing Your Checking Account.

Open An Account
Older couple reviewing their bank statements and smiling

Free Checking Icon Free Checking Account

Everything you need and expect from a checking account, without any extra baggage. Free checking accounts from Directions offer you a simple and convenient way to manage your money.

  • No monthly maintenance fee
  • No minimum account balance
  • Free checks for eStatement subscribers
  • Unlimited check-writing privileges; no per-check fee.
  • Free checking accounts are non-interest bearing
Open An Account
I love Directions. I was getting bombarded with ATM fees from my prior bank every time I used my ATM card. Your credit union has saved me so much money. Thanks Directions, you are the best!Carolynn J. Greenwich, Ohio
Man writing checks

Advantage Checking

In need of a loan? With our Advantage Checking, you’re eligible to receive a loan rate discount, plus all these other perks:

  • Earns interest on minimum balance of $2,500
  • Discounts available on new consumer loans
  • No monthly maintenance fee if any of the following occur:
    • Minimum checking account balance of $500
    • Member is over 55 years old
    • Member has direct deposit with Directions
  • Free checks available for eStatement subscribers
Open An Account
Young couple sitting together on the couch reviewing their bank statements on a laptop.

Investment Checking

Put the funds in your checking account to work for you with Investment Checking. This account type rewards a high monthly balance by paying interest and more.

  • Earns interest
  • Periodic bonus rates on certificates – new money only.
  • Discount on new consumer loans
  • No monthly maintenance fee
    • Requires combined minimum balance of $10,000 in deposit accounts
  • Free checks
  • Free money orders
Open An Account

Open Comparison Chart

 eCheckingFree CheckingAdvantage CheckingInvestment Checking
Free Debit Rewards Card
Free Checks
With eStatement

With eStatement
Monthly Service Fee
Minimum Balance to avoid Monthly Service Fee$500+ Checking Balance, Direct Deposit, Age 55+Combined Balances of $10,000
Earns Dividends/Interest
With $2,500+ Balance
Loan Discount
Periodic Bonus Rates on Certificates

Earn Rewards Points with Directions Rewards VISA® with ScoreCard™

  • Earn Rewards Points every time you make a debit card purchase
  • Earn Rewards Points every time you use your debit card as credit
  • Reward Points can be redeemed for merchandise, gift cards and travel
Learn More About VISA® Rewards


888.508.2228 TOLL FREE