When it comes to managing your day-to-day money, a checking account is essential. It’s your financial control center—the place where your paycheck goes, where bills get paid and where your debit card activity shows up. But not all checking accounts are the same, and choosing the right one can make a big difference in how smoothly your financial life runs. Here’s how to find the best checking account for your needs.

Know How You Use Your Money

Start by thinking about how you handle your finances. Do you keep a high balance or are you living paycheck to paycheck? Do you write checks, use a debit card daily or pay for most things online? Knowing your habits will help you find a checking account that works with—not against—your lifestyle.

For example, if you’re tech-savvy and pay most of your bills online, you’ll want a checking account with a strong mobile and online banking experience. If you prefer walking into a branch to ask questions or make deposits, you'll want a financial institution with accessible locations and great in-person service.

Access and Convenience Matter

Your checking account should be easy to access whenever and wherever you need it. Make sure the account offers online banking, mobile banking app features like remote check deposit and a large ATM network. If you travel a lot or move around for work, nationwide ATM access and multiple locations can be very useful.

As a credit union member, you have access to over 30,000 surcharge free CO-OP ATMs and over 5,000 CO-OP Shared Branches.¹ CO-OP Shared Branching is a national network of participating credit unions that allow members to conduct most banking transactions as if they were at their own credit union branch. So even when you’re away from your home credit union location, you can still conduct your banking transactions at a Shared Branch anywhere in the country.

Consider the Perks

Some checking accounts offer extras that can add value. These might include the following.
• Rewards or cash back for debit card purchases
• Early access to direct deposit
• Identity theft protection
• Credit monitoring
• Other benefits like earning interest or saving money

While perks shouldn't be the only reason you choose a checking account, they can tip the scale if you're deciding between two similar options.

Local Support and Trust

Finally, consider opening a checking account with a financial institution that values your membership. Credit unions like Partner Colorado are not-for-profit, member-owned, and focused on helping people improve their financial well-being. That means better service, lower fees, and a personal touch you won’t always find at a national bank.

Picking the right checking account isn’t just about avoiding fees—it’s about finding a financial partner that fits your needs. Take the time to compare features, ask questions, and think about how you manage your money day-to-day. When your checking account supports your lifestyle, it makes everything easier—from paying bills to reaching your financial goals.


¹Surcharge-free transactions are available for debit and ATM card holders of participating credit unions.