Checking that keeps up
with your every day
Three accounts built around how real members spend, save, and get paid. Pick what fits — no surprises.
Choose your checking account
All accounts include free digital banking, mobile deposit, and real-human support.
Essentials Checking
No monthly maintenance fee, instant debit card controls, and early access to direct deposit. Banking the way it should be.
- $0 minimum balance · unlimited digital transactions
- Free access to 55,000+ ATMs nationwide
- Get paid up to 2 days early with direct deposit
- Round-up savings to High-Yield Savings
- Instant digital wallet setup on day one
Cash Rewards Checking
Earn cash-back when you use your debit card, keep a modest balance, and stay connected with eStatements.
- 2% cash-back on debit purchases (up to $8/mo)
- Waive fee with 12 swipes or $1,500 daily balance
- Free credit score monitoring built in
- Personalized spending insights dashboard
- Up to $96 cash-back annually
Heritage Checking
A classic account for members who prefer paper statements, in-branch service, and straightforward features.
- Paper statement fee waived for members 60+
- Complimentary cashier's checks
- Lobby coin counting at all branches
- Linked overdraft line of credit (OAC)
- Dedicated personal banker at your branch
At-a-glance comparison
Every account includes NCUA insurance up to $250,000 and free digital banking.
| Account | Monthly fee | ATM access | Standout perk |
|---|---|---|---|
| Essentials Checking ⭐ | $0 always | 55,000+ nationwide + up to $10/mo refunds | Early direct deposit & instant card controls |
| Cash Rewards Checking | $6 (waived with activity) | 55,000+ nationwide | Up to $96/yr cash-back on everyday spending |
| Heritage Checking | $3 paper stmt (waived 60+) | Midwest partner branches | Complimentary lobby services & personal banker |
Keep your account running smoothly
Quick habits our members use to get the most from their checking account.
Enable transaction alerts
Turn on real-time purchase notifications in the app so you always know what's hitting your account.
Go to app settings
Use the budgeting dashboard
Categorize your spending automatically and spot trends before they become problems.
Open dashboard
Link savings for overdraft protection
Connect your savings account and schedule automatic top-ups to stay covered on tight weeks.
Schedule transfers