High-Yield Checking

Put more of your money to work.

With Xtraordinary Checking, you can earn 4.50% APY‍1 on balances up to $25,000 and access your funds through thousands of fee-free‍3 ATMs nationwide.

4.50%

APY up to‍1

$0

Monthly fees‍1

4.7 ★

Digital Banking‍5

Open an account
Quick and easy online application
WHY XTRAORDINARY CHECKING

One account. Maximum return.

digital Banking

Take your finances with you

Manage, move, and monitor your money anytime with secure, convenient tools available through Digital Banking.

Mobile Deposit

Deposit checks from virtually anywhere.

External Transfers

Move money between Connexus and your other accounts.

Checking Progress Tool

Track your progress toward earning 4.50% APY.‍1

Account Alerts

Receive instant notifications about account activity.

Debit Card Management

Freeze your card, customize alerts, and more.

Fraud Protection

Our team monitors for fraud, backed by zero liability protection.

HOW CONNEXUS COMPARES

See how Connexus beats typical high-yield checking

Many high-yield checking accounts limit how much of your balance can earn their highest APY. With our Xtraordinary Checking Account, members earn a competitive APY on balances up to $25,000.

Earn more

Calculate your earnings

Calculate earnings
You can earn
63X* more than the National average rate
4.50%
National
.07%

This calculator is for informational purposes only and provides estimates that are not guaranteed by Connexus Credit Union. Results do not reflect actual products, rates, or terms and do not constitute an offer, solicitation, or advice. Please consult qualified professionals regarding your specific financial, tax, or legal needs.

Monthly requirements

Three easy steps to your best APY

To earn 4.50% APY‍1 on your balance up to $25,000, simply meet the following monthly requirements:

Open your account

Ready to get started?

Open your Xtraordinary Checking Account today and start earning up to 4.50% APY.‍1

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Frequently asked questions (FAQs)

FAQs: You asked. We answered.

What information do I need to set up a monthly direct deposit into my Xtraordinary Checking Account?

To set up a monthly direct deposit into your Xtraordinary Checking Account, you will need to provide your Connexus account number, routing number, and the mailing address for Connexus. For more information on where to find these details and to ensure that your direct deposit is not rejected due to incorrect formatting or information, please visit our Digital Banking FAQ or contact us directly.

What qualifies as a monthly direct deposit or an ACH deposit (from a non-Connexus account) into my Xtraordinary Checking Account?

Some example deposits for this account requirement include direct deposit from payroll, retirement benefits, or government benefits.

Additionally, you can use Connexus Digital Banking to link to an external account at a different financial institution and transfer funds into your Xtraordinary Checking Account each month to meet the ACH deposit requirement.

I currently have my direct deposit going to another institution. Can I set up a monthly $500 ACH transfer from my other financial institution to meet this account requirement?

Yes, this would meet the monthly direct deposit account requirement. Please contact us to ensure you have the correct information to set up your ACH transfer.

Does a mobile deposit or an in-person deposit at a branch qualify for the direct deposit requirement?

No, a mobile deposit or in-person deposit does not qualify for the direct deposit requirement.

How can I monitor whether I meet the monthly Xtraordinary Checking Account requirements?

Connexus offers an Xtraordinary Checking Progress tool within Digital Banking that allows you to easily track your progress toward meeting the monthly account requirements.

What happens if I do not meet the monthly Xtraordinary Checking Account requirements?

If you do not meet the requirements for any given month, you will simply earn no yield that month, and you will not receive the $15 of ATM surcharge rebates that month. There are no fees for not meeting the monthly requirements.

How many Xtraordinary Checking Accounts can I have?

Only one Xtraordinary Checking Account is allowed per member. However, we do offer other deposit accounts, such as Certificates and Money Market Accounts, that feature competitive APYs (Annual Percentage Yields).

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 2.214% APY for the National market average over the life of a high rate share draft. Accurate as of: 09/12/2026. 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

  1. APY accurate as of 09/13/2026. No monthly maintenance fee. Other account-related fees may apply. 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.
  2. 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.
  3. For illustrative purposes. Your earnings may differ. Fees may reduce earnings.
  4. 4.7★ Digital Banking rating based on Apple App Store and Google Play Store Connexus Credit Union digital banking app reviews. Ratings are current as of 09/13/2026.