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Checking Accounts

Keeping it free and simple for you.

Enjoy no monthly maintenance fee and easy access with Simply Free Checking.

Questions? We can help.

Which account fits you best?

Earn 9x More By Choosing Connexus*

Source: Datatrac. Rates as of June 22, 2024

Our Rates

As High As 1.750% APY for Xtraordinary Checking – 5k

National Average

  0.165% APY for Basic Checking

Big Earnings

You Can Earn 9x* More With Connexus
Apply now View report

Why should I choose Connexus?

Earn up to 1.75% APY‍1

Far above the national average, this is one of the highest yields you’ll find.

Easily track your progress

Easily track progress towards earning your 1.75% APY‍1 with our Xtraordinary Checking Progress tool, now available in Digital Banking.

Say goodbye to fees

No Connexus ATM fees. No maintenance fees. No minimum balance requirements. Fees aren’t our style.

67,000+ surcharge-free ATMs

There are in-network ATMs across the country. Find an ATM near you.

Experience the Connexus App

Earning an excellent APY on your Checking is easier than ever!

Tracking progress toward Xtraordinary Checking’s 1.75% APY‍1 just got easier with our Xtraordinary Checking Progress tool, now available in Digital Banking.

  • Monitor progress toward the monthly requirements
  • Get prompts for the goals you still need to meet
  • Easily see your status at a glance within the tool

Check out Digital Banking
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Member success stories




“I feel there is nothing Connexus wouldn’t take care of for me, which has made the transfer of my accounts from my previous bank an easy decision.”




“Very happy to keep my money at Connexus Credit Union, as they believe in treating their customers with respect and dignity.”

FAQs: You asked. We answered.

Do you offer overdraft protection?

Yes, there are three ways you can protect yourself from overdrafts.

  1. Link your savings and checking accounts. If you overdraft, we will automatically transfer money from your savings to your checking to cover the balance — for free. You can link your accounts by calling us at 800.845.5025.
  2. Apply for an Overdraft Line of Credit. The credit limit ranges from $300-$1,000 with an interest rate of 18.00% APR*. To add this protection, apply for an Overdraft Line of Credit online or call us at 800.845.5025.
  3. Privilege Pay overdraft service. This service is automatically added to all Connexus Checking and Money Market Accounts. With Privilege Pay, at our discretion, we may authorize and pay your check, ACH, or Bill Pay transactions even though they overdraw your account. You will be subject to a fee of $4 each time we pay an overdraft (overdraft paid fee) or return a transaction unpaid (overdraft returned fee), with a combined maximum of 2 fees assessed per account, per business day. Overdrawn balances are due within 30 days of use. Privilege Pay does not automatically cover debit card and ATM transactions, but you can request to add this to your account(s) by calling us at 800.845.5025 or opting in through Digital Banking.

* APR = Annual Percentage Rate. Maximum loan amount $10,000. Finance charge begins to accrue on the date an advance is made on the line. No annual fee. Loan subject to approval and qualifications. Certain restrictions may apply. Review the Fee Schedule for any fees that may apply.

Is there a maximum balance for which I can earn the high yield?

The Xtraordinary account earns 1.75% APY‍1 on balances up to $25,000. Any money above the $25,000 limit earns 0.25% APY‍1. The Teen account earns 2.00% APY‍2 on balances up to $1,000. Any money above the $1,000 limit earns 0.25% APY‍2.

What happens if I don’t meet the monthly requirements for an Xtraordinary account?
If you don’t meet the requirements for any given month, you will simply earn no yield that month, and you will not receive the $25 of ATM surcharge rebates that month. There are no fees for not meeting monthly requirements.
What are the age requirements for the Teen Checking Account?

Members age 10-17 are eligible for a Teen Checking Account. When members turn 18, the Teen account will automatically transition into a Simply Free Checking Account.

Do I get a free debit card with my checking account?
Yes, debit cards issued for your checking account are free.