Simple Spend Account

Checking That Stays Simple

Simple Spend is built for paychecks, bills, and everyday spending through the MyPelican app, with eligible Early Bird Direct Deposit when you want funds a little sooner.

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Keep Things Simple with Pelican

The Simple Spend account is ideal for those seeking a straightforward checking account. Whether opening your first account or switching from a fee-heavy bank, Simple Spend meets your daily spending needs without fine print.

No monthly qualifications

No monthly service fees

No minimum balance requirements

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Open it Even if You Already Have Checking

Simple Spend can be added even if you already have another Pelican checking account, giving you the flexibility to separate spending by purpose. Many members use this to keep everyday spending, bills, and shared expenses more organized.

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Get added flexibility when needed.

Overdraft Protection Options are available for members who want overdraft support options. This can provide extra peace of mind when timing gaps happen between expenses and deposits.

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why bank with pelican

Checking that fits how you actually live

A Pelican Spending Account gives you the essentials of everyday checking, without monthly fees or extra requirements.

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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.

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.

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.

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.

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.

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!

Simple Spend vs. Horizon Checking

Simple Spend Checking

Everyday fee-free checking when you qualify.

Open a Simple Spend Account

Horizon Checking

A second-chance path with a clear monthly fee.

Open a Horizon Checking Account

Key Features

Designed for second-chance or rebuilding needs

No monthly service fee

$10 monthly service fee

Open with $25 minimum deposit

No credit score judgment for Horizon at account opening

Standard membership and account eligibility apply

Debit card with digital wallet support

MyPelican digital banking

ATM access

Monthly reward qualifications

When is this the right fit?

You want straightforward, fee-free everyday checking

You need a fresh start after banking challenges or denials elsewhere

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 Spending Account.

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Ready To Open An Account?

Your next chapter deserves a financial partner that puts you first. Whether you are leveling up everyday banking, growing savings that actually work for you, or locking in a rate for the long haul.

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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.

Spending 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.
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Simple Spend
Checking made easy. No hoops to jump through, no monthly fees to worry about, get paid early with Early Bird Direct Deposit.
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Free Stack Checking & Savings Bundle
People who want to earn higher monthly dividends just for using their checking account!
Explore Free Stack Checking & Savings Bundle Options
Free Cash Back & Stack Savings Bundle
Individuals looking to earn cash back as they make their everyday purchases.
Explore Free Cash Back & Stack Savings Bundle Options
Horizon Checking
A fresh start with any credit score. Open with $25 and a $10 monthly fee.
Explore Horizon Checking Options