Checking AccountsXtraordinary, Innovative, or Teen? You choose.With three free options, we have something for everyone. Open an accountQuestions? We can help. Schedule a chat Call 800.845.5025Which account fits you best? Checking Account OptionsAccount BenefitsXtraordinaryInnovativeTeenMonthly yieldUp to 1.75% APY1NoneUp to 2.00% APY2Requirements to earn yield15 debit card purchases or $400 in debit card spendingandeStatementsNoneNoneMonthly rebates of ATM provider surcharges3$25NoneNoneFree Connexus ATM transactionsUnlimitedUnlimitedUnlimitedFree CO-OP & MoneyPass® ATM transactions4UnlimitedUnlimitedUnlimitedFree Contactless Visa® debit cardYesYesYesFree digital bankingYesYesYesFree statementsYesYesYesFree overdraft transfers with linked accountsYesYesYesApply nowApply nowApply now Earn 10x More By Choosing Connexus* Source: Datatrac. Rates as of December 10, 2023 Our Rates As High As 1.750% APY for Xtraordinary Checking – 5k National Average 0.155% APY for Basic Checking Big Earnings You Can Earn 10x* More With Connexus Apply now View reportWhy should I choose Connexus? Earn up to 1.75% APY1Far above the national average, this is one of the highest yields you’ll find. Easily track your progressEasily track progress towards earning your 1.75% APY1 with our Xtraordinary Checking Progress tool, now available in Digital Banking. Say goodbye to feesNo Connexus ATM fees. No maintenance fees. No minimum balance requirements. Fees aren’t our style. 67,000+ surcharge-free ATMsThere are in-network ATMs across the country. Find an ATM near you. Experience the Connexus AppEarning 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 requirementsGet prompts for the goals you still need to meetEasily see your status at a glance within the tool Check out Digital Banking Member success stories 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 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. a Do you offer overdraft protection? Yes, there are three ways you can protect yourself from overdrafts.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.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.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. a 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. a 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. a 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 an Innovative Checking Account. a Do I get a free debit card with my checking account? Yes, debit cards issued for your checking account are free. Disclosures See our Fee Schedule for a list of fees you may encounter. * Calculated based on the difference between the amount earned in interest between Connexus Credit Union’s rate at 1.750% APY compared to 0.155% APY for the National market average over the life of a interest checking account. Accurate as of: 12/10/2023. Source: Datatrac 1Annual Percentage Yield (APY) accurate as of 12/11/2023. To earn the applicable dividend rate and Annual Percentage Yield (APY), subscription to eStatements 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. A dividend rate of 1.738% will be paid on your account balance of $25,000 or less when qualifications are met; resulting in an APY of 1.75% for the dividend period. Account balances over $25,000 will be paid an APY of 0.25% when qualifications are met. 2Annual Percentage Yield (APY) accurate as of 12/11/2023. No minimum balance requirements to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. A dividend rate of 1.985% will be paid on your account balance of $1,000 or less; resulting in an APY of 2.00% for the dividend period. Account balances over $1,000 will be paid an APY of 0.25%. 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/.