(763) 391-9494 Routing #: 291074696
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Checking that Fits Your Life

TopLine offers a wide range of checking account options to fit your personal financial needs. All accounts include free Mobile and Online Banking, Mobile Deposit, and no-fee ATM transactions.

Compare Checking Accounts

At TopLine Financial Credit Union, we understand our members have different spending habits and needs. That’s why we offer a variety of checking accounts to fit every age and lifestyle. No matter which you choose, you’ll enjoy free Mobile and Online Banking, Mobile Deposit, eStatements, Debit Cards, Bill Pay, Account Alerts and access to over 82,000 surcharge-free ATMs nationwide. Switch today!

Totally Free Checking

Keep your finances simple! With no minimum balance and no monthly service fees, Totally Free Checking is the perfect choice if you're tired of being nickeled and dimed by banks.

Sterling Checking

Over 50? Enjoy special privileges like earning dividends on balances of $100 or more. Plus, get a $10 discount on one check order of TopLine style checks per year and pay no monthly service fees!

TopLine Checking

Enjoy premium service! Maintain at least a $500 balance and receive extra personal banking benefits, like earning a yield on your checking balances, free official checks and more.

On-the-Go Mobile Access & No-Fee Debit Cards

TopLine makes your busy life easier with convenient Online and Mobile Banking. Check balances, make deposits, apply for loans, set alerts and more from almost anywhere.

Mobile App

On-the-Go Mobile Access

TopLine Financial Credit Union makes your busy life easier with convenient Online and Mobile Banking! Now you can check balances, make deposits, apply for loans, set alerts and more from almost anywhere—all with our free, secure and easy-to-use mobile app and online access.

Online/Mobile Banking Information
Debit Cards

No-Fee Debit Cards

From gas to groceries, a TopLine Financial Credit Union Debit Card makes daily spending so much easier! No check-writing hassles, no credit card interest charges and, best of all, no ATM fees at certain locations.

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Checks

Order Checks Online

At TopLine, we are dedicated to making it easy for you. Enjoy the convenience of ordering new checks online for any TopLine checking account.

Ordering checks online from Harland Clarke, our preferred provider, is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

Order Checks Online

Frequently Asked Questions

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FREE Checking! Open an Account Today!

Free means free! Open up a TopLine Financial Credit Union Totally Free Checking Account and Debit Card today—it’s simple and convenient with no hidden fees!

Today's Rates on Checking Accounts*
Account Type* Balance APY** Dividend Rate
Sterling Checking $100 or more 0.05% 0.05%
TopLine Checking $500 – $9,999 0.05% 0.05%
$10,000 – $19,999 0.05% 0.05%
$20,000 or more 0.05% 0.05%

*Rates are subject to change at any time. Balances that fall below the minimum will incur a fee, which may reduce the earnings on these accounts. **APY means Annual Percentage Yield. Dividends are calculated daily and paid monthly. Fees could reduce earnings. Rates may change after account is opened. APY is accurate as of 5/1/2026 the last dividend declaration date.