New USALLIANCE members can now qualify for layoff insurance at an exclusive discounted rate!
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No monthly maintenance fees or minimum balance requirements

Because you shouldn’t have to put in work to get a free checking account, and you shouldn’t have to wonder if you make the minimum balance requirement either.

A free monthly credit score

Keep an eye on your finances with free monthly credit scores - delivered directly to your Digital Banking account each month.

Early Pay Direct Deposit

Get paid up to two days early when you set up Direct Deposit.1


VISA Debit Card

Make purchases and withdraw funds, whenever you need to. Compatible with Apple Watch®, Apple Pay®, Google Pay™, and Samsung Pay®.2

VISA Debit Card Alerts

Receive custom alerts about your debit card activity sent to you via text message. Update your preferences online, anytime, anywhere.

Overdraft Protection and Privilege

We've got your back. Be covered when you overdraw your account in emergency situations.

Additional Features

24/7 account access

Access your account information, transfer funds, or pay bills whenever you need to by logging in to our online banking portal or mobile app.

ATM fee Rebates, Access to 30,000+ no-fee ATMs

You never know where life is going to take you. You’ll have access to over 30,000 surcharge‑free ATMs, but we’ll also rebate you up to $10 per month in non‑USALLIANCE ATM fees.3

New Member Offer – Layoff Insurance, On Us!

We are the first financial institution to offer our members the opportunity to receive layoff insurance, in addition to state-funded unemployment insurance, through our exclusive partnership with Quil. Click here for details on what you can get with your first year of membership – free4!

Federally insured by the NCUA up to $250,000

Enjoy the peace of mind that comes from knowing your funds are secure.

Open your MyLife Checking Account Online

Open an account

Already a member? Sign-in to open.

Experience the Cooperative Difference

  • 5,600+ Shared Co-op Branches
  • 30,000 Surcharge-free ATMs
  • 9 USALLIANCE Branches

  • 137,000+ USALLIANCE Members


USALLIANCE is a non-profit, membership-based, full-service financial organization.
After expenses and reserves are set aside, profits are distributed back to members. These come in the form of higher returns and lower rates and fees, as well as free or low-cost services.

Member Focused

We do not answer to stock holders; we don’t have any. Each member holds a share of ownership. Our decisions are aimed to better the lives of each and every member.

Full Service

Whether you’re looking for a checking account, credit card, retirement savings, or insurance, we’ve got you covered. We offer a full suite of products and services to help you achieve your financial goals.

Financial Wellness

Our mission is to help our members learn how to achieve personal financial independence and wellness. We offer many tools to help you save, budget, and better understand your finances.