High-Yield Checking
Switch and earn
up to 4.50% APY.1
Open a free Xtraordinary Checking Account and earn over $1,1004 a year, helping you build a stronger financial future.
Open an accountEasy online application. Free Digital Banking.
account perks
Why you’ll love Xtraordinary Checking
4.50% APY on balances up to $25,0001
No monthly fees or minimum balance required to open
$15 monthly rebate on ATM surcharges2
Free Visa® Debit Card + Mobile Wallet
Free overdraft transfers with linked accounts
Unlimited free ATM access
Connexus ATM | Co-op & MoneyPass® ATM3
Earn more
Say hello to extraordinary earnings
Far above the national average, our Xtraordinary Checking Account offers one of the highest yields available.
Earn more
Calculate your earnings
This calculator is intended for informational purposes only and is considered an estimate. The accuracy of this calculator is not guaranteed by Connexus Credit Union. The calculator and its results do not constitute the advice of, or reflect actual products, services, rates, and/or terms available. Nothing contained in the calculator shall constitute an offer or solicitation of a product or service by Connexus Credit Union. This calculator is not intended to offer any tax, legal, financial, or investment advice. Please consult with qualified advisors to discuss your specific needs.
Monthly requirements
Three easy steps to your best APY
To earn 4.50% APY, simply meet the following requirements each month:
Make 15 debit card purchases or spend $500 with your debit card
- Enroll in eStatements – here’s how
Make a $500 monthly deposit (direct deposit or ACH)
MAXIMIZE YOUR EARNINGS
Earn up to 4.50% APY.
Frequently asked questions (FAQs)
Top FAQs
Disclosures
APY = Annual Percentage Yield
See our Fee Schedule for a list of fees you may encounter.
* Calculated based on the difference between the percent earned in interest between Connexus Credit Union’s rate at 4.500% APY compared to 2.184% APY for the National market average over the life of a high rate share draft. Accurate as of: 05/11/2026. Source: Datatrac
* Calculated based on the difference between the percent earned in interest between Connexus Credit Union’s rate at 4.50% APY compared to .07% APY for the FDIC Interest Checking national deposit rate. Accurate as of: 04/20/2026. Source: FDIC
- Annual Percentage Yield (APY) accurate as of 05/11/2026. To earn the applicable dividend rate and APY, subscription to eStatements, a monthly deposit of at least $500 from either a direct deposit or an ACH deposit (from a non-Connexus account), and either a minimum of fifteen (15) debit card purchases or $500 in net spend purchases using your debit card are required per calendar month. ATM transactions are not included. Debit card purchases must post to your account by the last calendar day of the month. You must meet the preceding account requirements to earn dividends during the monthly period. No minimum balance required to maintain the account. A balance is required to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. Rates subject to change. A dividend rate of 4.410% will be paid on your account balance of $25,000 or less when requirements are met, resulting in an APY of 4.50% for the dividend period. Account balances over $25,000 will be paid an APY of 0.25% when requirements are met. Primary owner must be the age of majority (18+) to open this type of account.
- ATM surcharge rebates only apply to ATMs within the United States.
- Co-opSM and MoneyPass® ATM Networks available nationally. These ATMs are fee-free with the use of a Connexus Debit/ATM Card. Usage fee may still apply.
- For illustrative purposes. Your earnings may differ. Fees may reduce earnings.