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If you are tired of hidden maintenance fees, minimum balance requirements, and getting nickel-and-dimed by big banks, you deserve a better way to manage your money. At Granite Credit Union, we believe that your hard-earned money belongs to you. That is why we offer completely free Checking Accounts—which we call Spend Accounts—designed exclusively to keep more money in your pocket while delivering all the modern conveniences you expect.
Whether you are paying bills, buying groceries locally in Riverton, or sending money to friends, our Spend Accounts give you total control over your finances without the stress of monthly fees.
When you open an account with Granite Credit Union, you are not just a customer; you become a member-owner. Because we are a not-for-profit financial cooperative, we do not answer to Wall Street shareholders. Instead, our profits are returned directly to our members in the form of zero-fee accounts, community reinvestment, and highly competitive rates on loans and savings.
For nearly 90 years, we have been deeply rooted in Salt Lake County, continuously striving to provide safe, affordable, and transparent financial wellness for our community.
We understand that everyone's financial situation is unique. That is why we offer a variety of Spend Accounts tailored to different needs, all completely free of monthly maintenance fees.
The Basic Spend Account is our heavy-hitting, traditional Checking Account designed for everyday use.
Zero monthly maintenance fees.
Complete liquidity and access to your funds.
Unlimited, worry-free purchasing power for your daily needs.
Looking for a completely safe, checkless option? Our Simple Spend Account is certified by the BankOn National Account Standards, making it the perfect starter account or second-chance checking option.
No overdraft fees or non-sufficient funds (NSF) fees—ever.
Checkless design ensures you only spend what you have.
100% peace of mind for managing a strict budget.
For Riverton residents who want their daily funds to work harder, the Dividend+ Spend Account is the ultimate upgrade.
Earns competitive dividends on balances over $5,000.
Unlock a bonus dividend rate when you bundle this account with a Granite Money Market Account.
Enjoy premium perks without monthly maintenance fees.
Switching to a local credit union does not mean sacrificing technology or convenience. Every Granite Credit Union Spend Account comes fully loaded with features that match or beat the biggest national banks:
Use your free Visa® Debit card anywhere Visa is accepted. Plus, you will never be far from your cash with access to thousands of surcharge-free ATMs nationwide. Find your nearest branch or ATM here.
Bank on the go with our highly rated Mobile App. Enjoy free online bill pay, mobile check deposit, and the ability to send and receive money instantly with friends and family using Zelle®.
Set up direct deposit easily to get your paychecks faster. You can also link your Spend Account to a Granite Savings Account for automatic, stress-free overdraft protection.
Becoming a member of Granite Credit Union is simple and accessible. If you live, work, worship, volunteer, or attend school in Salt Lake County—which proudly includes all of Riverton—you are automatically eligible to join!
Low Barrier to Entry: It only takes a single $5 deposit into a primary Savings Account to establish your lifetime membership.
Inclusive Banking: We believe in financial access for everyone. Granite is a Juntos Avanzamos-designated credit union and proudly accepts ITINs (Individual Taxpayer Identification Numbers) to open accounts and apply for loans.
Ready to ditch the bank fees and experience the credit union difference? Making the switch is fast and secure.
If you prefer to speak with a local representative or open your account in person, our team is ready to help. Visit our Contact Us page to reach our support center or to find the branch location nearest to you in Riverton. Discover how Granite Credit Union can help make your life happen.
