Fast. Easy. Free. Rewarding! One account for any balance.

All the advantages and conveniences you deserve.

  • Over 30,000 ATMs & 1,800 shared branches
  • Total reimbursement for any and all ATM fees*
  • Online Banking and Bill Pay
  • Mobile Banking
  • Never a minimum balance
  • No monthly maintenance fees, for anything
  • Visa Debit Card with Chip Technology
  • Write unlimited checks
  • *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.

Enjoy a great rate on a high yield account that pays you back.

Earn 3.09% APY*
On balances up to $10,000

Complete at least 12 debit card purchases totaling $100 or more each month. Debit card transactions can be made with or without using your personal identification number (PIN).

Direct deposits or ACH credits totaling $500 or more must post to your account monthly.

Receive eDocuments (enroll and accept the disclosure)

.20% APY on balances from $10,000.01-$25,000.00

.10% APY on balances $25,000.01+

Earn 4.09% APY*
On balances up to $10,000

Simply meet the requirements to earn 3.09% APY . . . then add:

Spend $500 or more in CCU Visa Credit Card purchase transactions** each month; no minimum number of transactions.

.20% APY on balances from $10,000.01-$25,000.00

.10% APY on balances $25,000.01+

Earn 5.09% APY*
On balances up to $10,000

Simply meet the requirements to earn 3.09% APY . . .then add:

Spend $1000 or more in CCU Visa Credit Card purchase transactions** each month; no minimum number of transactions.

.20% APY on balances from $10,000.01-$25,000.00

.10% APY on balances $25,000.01+

Top Rated By Both

WalletHub Best Online Checking Accounts
nerdwallet 2018

Most Common Questions

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?
Sure, we'd love to meet you! But, you can open and fund your account online in minutes.
What happens if I don't meet the monthly activity requirement?
You will still enjoy free checking with free Online Banking and free Online Bill Payment. You won't earn ATM refunds, but you will earn 0.01% APY* on your checking balance.
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 Total: The current dollar amount of Visa Debit Card transactions you have completed for the current month will be displayed. Once the requirement has been fulfilled, a check mark will replace the dollar amount.
    • 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.
    • eDocuments: If you have enrolled to receive electronic documents and notices from CCU, the requirement is already met and eDocuments will not be displayed. If you are not enrolled, follow the Enroll Now link to register.
    • VISA: If you are a CCU Visa Credit Card holder, this link will not be displayed. If you are not a CCU Visa Credit Card holder and would like to apply, follow the Apply Now link to submit an online application.
    • 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.

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free nationwide checking

An interest bearing checking account that pays up to 5.09% Annual Percentage Yield (APY) on balances up to $10,000! This is one of the highest interest rates you'll find for checking accounts nationwide.

safety, security, convenience

Receive a Visa debit card with chip technology as well as secure online banking and bill pay. We utilize the latest security practices to ensure a safe environment when accessing your account and to protect your sensitive account information. Our secure online banking gives you full access to your account information.

Online banking and tools

Access and manage all of your account information and details like paying bills, reviewing balances, making transfers, and more. Bank at your own convenience from anywhere at anytime with Online Banking.

Get the flexibility and perks that make for a great relationship with us.

Have questions about opening an account?
Call us at 877-275-2228

* APY = Annual Percentage Yield

** Credit card transactions that post by the 2nd day prior to end of calendar month will count towards the total. All transactions received after end of month cut-off will be counted towards the following months qualifications.

Qualified Members receive Overdraft Privilege, a helpful resource that covers your overdrawn checks and provides the peace of mind you should expect from an attentive credit union (fees apply.)

View the terms and conditions to learn more.