A Checking Account that Pays you Back
Free Stack Checking works like a standard account: use your debit card, set up direct deposit, pay bills, and access the MyPelican app. Your balance earns dividends monthly when you qualify. Miss a month? Earn the baseline rate and try again. No fees apply.
Easy Monthly Qualifications
The checklist is short: 15 point-of-sale debit card transactions that post and clear, an ACH or direct deposit that posts and clears, a single MyPelican login, and enrolling in eStatements. When you qualify, ATM fee refunds apply automatically. Missing a month does not close your account. You earn the non-qualified rate that cycle and can qualify again next time.
why bank with pelican
Checking that fits how you actually live
Seven debit card colors, yours to pick
Pelican issues solid-color Visa® debit designs, so you are not limited to one default look. Every card includes a chip for secure in-person purchases.
Pay with your phone, not just your card
Add your Pelican debit card to Apple Pay, Google Pay, or Samsung Pay for faster checkout in apps, online, and at the register.
MyPelican keeps full banking in one app
Check balances, move money, use mobile check deposit, pay bills, and send money with Zelle® without paying extra for basic digital access.
Real-time alerts you can tune to your life
Turn on notifications for purchases, deposits, and low balances so you spot what matters before it becomes a problem.
Early Bird Direct Deposit when payday hits
Eligible direct deposits may post up to one business day early, so you can cover bills and plans on your timeline.
Nationwide cash access through CO-OP
Use the CO-OP Shared Branching network when you are away from your usual branch or neighborhood. Make deposits, withdraw cash up to $2,000, make loan payments, and more!
Free Stack Checking vs. Free Cash Back Checking
Key Features
Earn cash back on debit purchases
Up to $10 cash back per cycle
Earn dividends on your checking balance
Up to 5.00% APY on qualifying balances
Unlimited ATM fee refunds when qualified
No monthly service fee
No minimum balance requirement
Early direct deposit available
Stack Savings compatible
When is this the right fit?
You carry a balance and want it to grow at a high rate
You spend frequently and want to earn on every purchase
Debit Cards
Pay With Personality
Pelican issues seven solid-color Visa® debit designs, so you are not stuck with one generic look. Pick your favorite when you open a Free Stack Checking Account.
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available Account options
An account for every goal
When you open your account, you become an owner, not a line item on someone else's earnings report.
Explore Spending Accounts OptionsSpending Accounts
At Pelican, we call our checking accounts spending accounts because that's exactly what they're for: making it easy to spend, earn, and manage your money every day.
Explore Simple Spend OptionsSimple Spend
Checking made easy. No hoops to jump through, no monthly fees to worry about, get paid early with Early Bird Direct Deposit.
Explore Free Stack Checking & Savings Bundle OptionsFree Stack Checking & Savings Bundle
People who want to earn higher monthly dividends just for using their checking account!
Explore Free Cash Back & Stack Savings Bundle OptionsFree Cash Back & Stack Savings Bundle
Individuals looking to earn cash back as they make their everyday purchases.
Explore Horizon Checking OptionsHorizon Checking
A fresh start with any credit score. Open with $25 and a $10 monthly fee.
