FREE Directional Checking

Looking for a free checking account that’s truly free? Introducing Directional Checking. A checking account that pays.

With a Directional Checking Account from Compass Community Credit Union, the higher your balance, the higher your interest rate. The only requirements are that you have Direct Deposit, free online banking with e-Statements, and make a minimum of 10 Debit Card purchases a month.


Tier 5 Balances $150,000.01 + 4.00% APY*
Tier 4 Balances $75,000.01 – $150,000 3.00% APY*
Tier 3 Balances $25,000.01 – $75,000 0.90% APY*
Tier 2 Balances $0 – $25,000 0.50% APY*
Tier 1 All balances, no conditions met 0.01% APY*
  • Free ATM/Visa® debit card with access to over 30,000 surcharge-free ATMs through the CO-OP Network
  • Free Fraud Text Alerts
  • Free Mobile Banking that includes mobile check deposit
  • Free Online Banking & Bill Pay with e-Statements
  • Overdraft Protection from your Savings Account
  • Courtesy Pay Protection – learn how to protect yourself
  • Sign up for direct deposit and save yourself a trip to the branch (routing number is 321172219)

Reconciliation Page & Error Resolution

*APY – Annual Percentage Yield. Monthly direct deposit, enrollment in online banking with e-statements and 10 debit card purchases (must clear your account within the month and ATM transactions are not included) are required. If all requirements are met, you will earn the corresponding APY listed in the chart above based on your average daily checking account balance. There is a Grace Period for the month in which you open your account. The requirements will not be enforced until the following month. Dividends are compounded monthly based on your average daily balance and correspond to the entire average daily balance. After the first month, if you do not meet the requirements, you will earn the Tier 1 APY.
Rates as of 04/01/2024 are subject to change at any time, without notice.

Ready to open your Directional Checking Account?

It’s easy and only takes a few minutes.

If you prefer a paper application, click here.

Not a member? 

It’s easy, you can apply online today.

If you prefer a paper application, click here.

If you have any questions, one of our representatives will be happy to guide you. Call 707-443-8662.


New Contactless Debit Card

We now offer a new contactless debit card. You do not need to do anything, the new card will automatically be sent to you, before your expiration date on your current card. To learn about the features and benefits, click here.


Visa Purchase Alerts for Your Debit Card

Get text or email alerts for transactions so you can immediately identify potentially fraudulent activity. Just three easy steps to get started:

  1. Check to make sure your card is eligible.
  2. Register your mobile device and email to receive Visa Purchase Alerts.
  3. Choose the notification triggers that are best for you. You’ll get a text or email based on your selected criteria.

Enroll in Visa Purchase Alerts