HIGH-YIELD CHECKING

Earn up to 5.00% APY!‍1

Earn more than $1,200 a year with Xtraordinary Checking!‍4

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No monthly fees. Easy online application.

Digital Banking App

4.7 Rating 18K+ Reviews

Forbes

Best in State Credit Union
2025

NerdWallet

Best Credit Union of 2025
4.3

Kiplinger

Best Credit Union
2025
account perks

Why you’ll love Xtraordinary Checking

5.00% APY on balances up to $25,000‍1

No monthly fees or minimum balance required

$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

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Earn more

Say hello to extraordinary earnings

Far above the national average, our Xtraordinary Checking Account offers one of the highest yields available.

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131% more than the national average rate*
Connexus
5.00%
National
2.17%
5.00%
131% more than the national average rate*
2.17%
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Monthly requirements

Three easy steps to your best APY

To earn 5.00% APY, simply meet the following requirements each month:

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Calculate your earnings

MAXIMIZE YOUR EARNINGS

Earn up to 5.00% APY

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Frequently asked questions (FAQs)

Top FAQs

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 Connexus’ address. 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 Share Certificates and Money Market Accounts, that feature competitive APYs.