Checking Account Types

chocolate shop, checking account types, happy shoppers

Checking accounts for every taste.

We offer a couple of sweet checking accounts! Let’s find the right one for you, shall we? (After you’ve chosen your favorite, be sure to take a peek at the items you’ll need when you apply for the account.)


High-Yield Checking

To open a High-Yield checking account, you’ll need to deposit $50, but after that, there’s no minimum balance requirement, no per check charge and no monthly service charge. You get a free debit card, free online banking, free mobile banking**, free online Bill Payer, and MoneyMap, our free personal finance manager! PLUS, you’ll earn 3.00% APY* on your balance up to $25,000 and have your out-of-network ATM fees refunded each month. (Earn that much and use any ATM you want for free? Woohoo!)

To earn these rewards, simply activate online banking and utilize the three free services listed below each month:

  1. Make at least 12 signature-based debit card purchases (select “credit” instead of “debit”)
  2. Receive eStatements
  3. Directly deposit your paycheck or retirement income

You’ll receive an email each month letting you know if you’ve met the requirements needed to earn your rewards. (And if you fall short one month, no biggie! You won’t earn any rewards that month… but we don’t kick you out or anything.)

Sign Up for High-Yield Checking Now!

*APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. High-Yield checking APY varies from 3.00% APY with minimum average daily balance of $0 – $24,999.99 to 0.10% APY with minimum average daily balance of $25,000 or more. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only. **Standard data rates and other restrictions may apply.

Empower Checking

Looking for a checking account that pays big interest, even if you don’t have a big balance? Our Empower Checking account is exactly what you’re looking for! With our Empower Checking account, you can earn a whopping 5.00% APY* on your balance when it’s between $250 and $2,500! The interest rate actually goes down as the deposit balance goes up (but, even so, the rates are far above national averages). This account is great if you’re trying to quickly build up a financial cushion!

To open an Empower Checking account, you’ll need to deposit $50, and after that, there’s:

  • No minimum balance
  • No monthly service charge
  • No charge for cashier’s checks
  • No non-sufficient funds (NSF) fees

You’ll get a free Visa® debit card and unlimited access to all kinds of free digital services that will empower your life! With free online banking and mobile banking**, you can deposit checks and make transfers at any time. (So convenient!) You can also pay your bills electronically with Bill Payer and budget and track your spending with MoneyMap, our free personal finance manager!

Sign Up for Empower Checking Now!

*APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. Empower Checking APY offers tiered APY rates based on average daily balance (ADB): 0.00% APY for ADB of $0 – $249.99: 5.00% APY for ADB of $250 – $2,499.99; 3.00% APY for ADB of $2,500 – $9,999.99; 1.00% APY for ADB of $10,000 – $24,999.99; 0.50% APY for ADB of $25,000 – $49,999.99; and 0.01% APY for balances above $50,000. $250 is the minimum Average Daily Balance required to receive interest. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only. **Standard data rates and other restrictions may apply.

All-In Checking

Our All-In Checking account is fully loaded with benefits to help keep your finances safer, leaving you more time for the important stuff! (Like taking advantage of smart discounts on financial services and everyday purchases.) You’ll also earn 1.50% APY* on your balance of $100,000 or more. (Don’t have quite that much? No worries — you can still earn dividends! Check out the rate tiers.)

As if that isn’t enough… All-In Checking comes with a Visa® Debit Rewards card which earns points for everyday transactions! Reward points can be redeemed for cash back or merchandise — you can even use them to donate to select local nonprofit organizations! (Exciting stuff!) Check out the reward options.

You get all this and the fab bells and whistles below for a small monthly maintenance fee of $6.50 plus tax — no matter if you have an individual or joint account! (We’ll do the math for you… that’s $6.96 a month.)

  • IDProtect®**
    • Identity Theft Expense Reimbursement Coverage
    • Comprehensive Identity Theft Resolution Services
    • 3-in-1 Credit File Monitoring
    • 3-in-1 Credit Report
    • Debit and Credit Card Registration
    • Identity Monitoring
    • Online Identity Theft News Center and Valuable Phone and Web Resources
  • Cellular Telephone Protection (Cell phone bill must be paid with All-In account.)
  • Travel and Leisure Discount Membership**
  • $hopping RewardsTM**
  • Health Discount Savings** (This is NOT insurance.)
  • Accidental Death & Dismemberment Insurance
  • Debit Advantage® Buyer’s Protection & Extended Warranty** (Item(s) must be purchased entirely with All-In account.)

You’ll need to deposit $50 when you open your All-In checking account, and we recommend signing up for online banking and eStatements. (Otherwise, it’s an extra $2 plus tax each month to get your statement in the mail.) Just like our other checking account, there’s no minimum balance requirement. Once you’ve opened your All-In Checking account, we’ll give you an access code. You can then use the access code to register at https://www.eclubonline.net/ and activate your benefits.

Sign Up for All-In Checking Now!

View the All-In Checking account details, including full terms and conditions.

View the All-In Checking Visa Debit Rewards Card Disclosure for full details.

*APY = Annual Percentage Yield. Available to prospective members who are 18 years or older. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. All-In Checking APY varies from 0.00% APY with minimum average daily balance of $0 – $999.99 to 1.50% APY with minimum average daily balance of $100,000 or more. No minimum balance required. APY is accurate as of the last dividend declaration date. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Personal accounts only. **Registration/activation required.

Online Services

Check out all the ways you can access your checking account whenever it tickles your fancy.

Rates

See what you can earn on your checking and other deposit accounts.

Fees

Not something a company likes to boast about – unless you’re comparing ours to those at most other financial institutions. Our fees are fewer and the dollar amounts are lower.

Check Stop Payment Request

Need to put the whoas on a check or two? Here’s a form to help you do just that. (Keep in mind, there is a $25 fee per item to do this.)

Check Copy Request

For a copy of a check you’ve written that’s been cashed, you can do that here for $1 per check. (Psst, you can see this for free in online banking…)

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