Open a CCU checking account and enjoy access to some of the nation's best benefits.
Up to 5.00% APY* Earnings
30,000+ Fee-free ATMs
Secure Digital Banking
Early Payday
Fraud Protection and NCUA Insurance
Free Nationwide Checking**
Download our mobile app for secure, on-the-go banking.
Personal Banking with RewardsAnd we have some of the best rates in the country.
Rewards Checking
on balances up to $10,000 and make at least 12 debit card purchases each month
- Receive eDocuments (enroll and accept the disclosure)
- Make at least 12 debit card payments each month.
- Direct deposits, Mobile Check Deposits or ACH Credits totaling $500 or more monthly
Rewards Checking + CCU Visa
Spend $500 or more with any CCU Visa Credit Card purchase each month
- Meet requirements to earn 3.00% APY plus
- Spend $500 or more with any CCU Visa Credit Card purchase each month; no minimum number of purchases
- Earn on balances up to $10,000
Rewards Checking + CCU Visa
Spend $1000 or more with any CCU Visa Credit Card purchase each month
- Meet requirements to earn 3.00% APY plus
- Spend $1000 or more with any CCU Visa Credit Card purchase each month; no minimum number of transactions
- Earn on balances up to $10,000
It's never been easier to earn more.
Eligibility Requirements
Everyone is eligible to join and bank with Consumers Credit Union, regardless of location or financial background. Apply for an account online in minutes without impacting your credit score.
Fast, Secure Digital Banking
Manage your account anytime, anywhere. With advanced encryption and fraud protection resources, you can bank with confidence. No minimum balance required.
Deposit and Withdrawal Options
We offer flexible deposit and withdrawal options, including direct deposit, mobile check deposit, ATMs, and in-branch services. Whether you're adding funds or withdrawing cash, we make it quick, convenient, and fee-free.
Frequently Asked QuestionsRewards Checking FAQs
Who can take advantage of free Rewards Checking?
Anyone can join Consumers Credit Union (CCU) and apply for a free Rewards Checking account. You can join CCU at the same time you open your Rewards Checking Account online - in minutes!
Do I have to open an account at a branch location?
What happens if I don't meet the monthly activity requirement?
How do I view the progress of my Rewards Checking qualification?
Rewards Update Feature
The Rewards Update feature allows members to view the progress of their Rewards Checking qualifications. Detailed in the feature are the following:
- Rewards Tier: This field represents the Rewards Checking tier you are currently qualified for. Until the Rewards Checking Tier C requirements are met, the Rewards Tier will show Not Qualified. Once the minimum requirements have been met, the interest rate for the current tier met will be displayed along with the maximum amount that interest is calculated for. The Rewards Tier displayed may change throughout the month as more requirements are met.
- Debit Transactions: Visa Debit Card transactions that have posted to your account will be counted in this section. Within 48 business hours of a transaction posting to your account, that transaction will be updated in the count on the Rewards Tracker.
- Direct Deposit: The current dollar amount of Direct Deposits your Rewards Checking account has received for the current month. Once the requirement has been fulfilled, a check mark will replace the dollar amount.
- VISA Total: The amount displayed is the current amount spent on your CCU VISA Credit Card for the current period. Once $1000.00 has been spent and transmitted on the VISA Credit Card, a check mark will be displayed. If you are not a CCU VISA Credit Card holder, this field will not be displayed.
- Year to Date Interest: This will display the dollar amount for how much interest you have earned within the last year.
Is my money safe?
Yes! We also want to reassure you that your money is safe and is federally insured by the National Credit Union Administration (NCUA), which is equivalent to the FDIC for banks.
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Bank anytime, anywhere.
Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.
*APY = Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account. For all tiers, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. Please see all terms and conditions on qualifying rate tiers. Fees may reduce earnings. No minimum balance required. We offer over 30,000 surcharge-free ATMs nationwide and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements.
**Minimum $5.00 opening deposit required.
+Early Direct Deposit fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.