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Basic Checking

The conveniences of a checking account no matter your balance—no minimum requirement!

Open an Account

Or call 1-800-621-2105

Enroll in Online Banking

Basic Checking


  • No minimum balance
  • Unlimited transactions and checkwriting
  • Free—first 40 checks
  • Multiple overdraft protection options


  • No monthly fee for 25-49 year olds with direct deposit or a balance of $10,000+ (including savings, checking, and loans).
  • No monthly maintenance fee for members under age 25 and 50 or older
  • $5 monthly maintenance fee applies for those who do not qualify to have it waived
  • View your FICO® Score at no cost in online banking with any Elements checking account
  • Set up your debit card in CardSwap—available in online banking and the mobile app, to easily add and update your recurring charges for services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash, and more


Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 9 am-5 pm Eastern

So Many Advantages

When you open a Basic Checking Account, you'll enjoy

  • Unlimited transactions and unlimited check writing
  • Your first 40 checks are free
  • Convenience of direct deposit of payroll or federal benefits
  • Elements Visa® Debit and ATM cards with security-enabled chip to use at any merchant that accepts Visa debit card
  • More than 78,000 surcharge-free ATMs worldwide
  • Shared branch access at more than 5,000 branches nationwide

Overdraft Protection

Protect yourself against overdraft fees and inconveniences. Your options include:

  • Savings Transfers: money taken from your savings account matches the exact amount of your overdraft savings transfers; no charge for these transfers from savings
  • Line of Credit Transfers: money transfers to cover shortfall; cost is $5 plus interest that accrues on outstanding balance. This option is subject to credit approval
  • Overdraft Privilege: for members who qualify, $1,000 is available to you beyond your Overdraft Protection. A $32 fee applies each time you use this service

Learn more about Overdraft Protection options >


Instead of returning your canceled checks, we provide you with a listing of checks paid, noted by check number, date, and amount. This is all viewable within Online Banking.

Get the Card that Fits Your Style

Choose a debit card when you apply for your checking account.

Indians Debit Card  Butler Debit Card  Elements Red Debit Card

Online and Mobile Banking 

Access all the benefits of your Basic Checking account with Online Banking and the Elements Mobile App. You can enjoy the same interface on your smartphone, tablet, laptop or desktop while continuing to get the same security features and conveniences you’ve come to expect. Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices.

  • Online banking – desktop, phone, and app
  • Mobile check deposit
  • Online check images with Online Banking and Mobile Banking

Learn more about Online and Mobile Banking and enroll today.


Digital Payments

Elements offers a variety of digital payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your debit card lets you make payments from your checking account via:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • PayPal
  • This logo  anywhere Visa is accepted online

Learn more on our Digital Payment Options page.

Frequently Asked Questions

Q: Can I open a checking account online?
A: Yes, we encourage you to apply for a new account online. You may also apply at one of our locations. We look forward to supporting your financial wellness with a new checking or savings solution soon. Join us today!

Q: Is there a fee to order checks?
A: Yes and no. Your first 40 checks for every new standard checking account are free. Check orders for Elements Financial members over 55 years are free as well. Please contact a credit union representative for check printing pricing and reorders at 1-317-276-2105.

Q: How do I order or re-order checks for my account?
A: Our check company, Harland Clarke, offers a variety of check styles. You may view a catalog online or at any of our locations. Please visit our Order Checks page when placing re-orders. Initial orders must be made via our Financial Wellness Experts directly either at the branch or 1-800-621-2105.

Q: Do you offer business checking?
A: Yes, we offer business accounts. Learn more on our Business Checking page or call us at 1-800-621-2105 for more information.

Q: What is overdraft protection?
A: Elements Financial's Overdraft Protection Program provides multiple layers of defense to protect your accounts against fees from merchants and daily inconveniences. For example, imagine standing in a long line at the grocery store, stepping up to the cashier and having your debit card purchase declined due to a simple accounting error. We don’t want this to happen to you — we know you don’t either.

How to Get Started

You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to open an account:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. You will receive an email within 1 business day to notify you of account approval.
  2. That’s it – your Basic Checking Account is now open!