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Checking Accounts

Fees aren’t our thing, but high yields are.

Our free account options offer higher yields, more convenience, and fewer fees.

Apply today

Earn x More By Choosing Connexus*

Our Rates

As High As % APY for Xtraordinary Checking – $5K

National Average

  % APY for

Big Earnings

You Can Earn x* More With Connexus

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.

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.

From Our Members
“Connexus provides excellent products with unparalleled customer service and support. This creates value that can’t be beat.”

Rich

New Hampshire

Which account fits you best?

Experience the Connexus App

Take your account on the go

Access and control your money from anywhere, 24/7.

  • Free Mobile Deposit
  • Free Online Bill Pay
  • Free Transfers
See all the free features and more.

“The app addresses all my needs wherever I am.”

-Michael

hand holding a phone showing the app's checking summary screen

Member success stories

Chelsi

Chelsi

Wisconsin

“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.”

Darrell

Darrell

Texas

“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.

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 checking and money market accounts. With Privilege Pay, at our discretion, we may authorize and pay your check, ACH, and Bill Pay transactions even though they overdraw your account. An “overdraft paid” fee of $4 per occurrence with a max of 2 per day may still apply with Privilege Pay. 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 coverage 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.

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.

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.

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

Yes, debit cards issued for your checking account are free.

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Disclosures

See our Fee Schedule for a list of fees you may encounter.

* Accurate as of:  . Source: Datatrac

1To earn the applicable dividend rate and Annual Percentage Yield (APY), subscription to e-statements and either a minimum of fifteen (15) debit card purchases or $400 in net spend purchases using your debit card are required. ATM transactions not included. You must meet the preceding account requirements to earn dividends. No minimum balance requirements to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. Rates subject to change. If your account balance is $25,000 or less, a dividend rate of 1.738% will be paid on your account balance; resulting in an APY of 1.75% for the dividend period. A dividend rate of 0.25% will be paid only on the portion of your account balance that is greater than $25,000; resulting in a prospective APY ranging from 1.00% to 1.75%, depending on the balance in your account during the dividend period.

2Annual Percentage Yield (APY) accurate as of 02/08/2023. No minimum balance requirements to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. If your account balance is $1,000 or less, a dividend rate of 1.985% will be paid on your account balance; resulting in an APY of 2.00%% for the dividend period. A dividend rate of 0.25% will be paid only on the portion of your account balance that is greater than $1,000; resulting in a prospective APY ranging from 0.43% to 2.00%, depending on the balance in your account during the dividend period. Rates subject to change.

3ATM surcharge rebates only apply to ATMs within the United States.

4Find a CO-OP or MoneyPass ATM at connexuscu.org/about/branch-and-atm-locations/.