Checking Accounts

The bonus offer is available to prospective or existing members who do not currently have a Connexus Checking Account and open a new Xtraordinary Checking Account between 09/08/2025 and 11/09/2025.

Individuals who previously had a Connexus Checking Account are eligible, so long as the account closure occurred before 07/01/2025.

The promo code is XTRABONUS, and it must be used at the time of application.

Once you open a new Xtraordinary Checking Account with promo code XTRABONUS, you must meet the following account requirements for two month-end periods within 120 days of account opening:

• Make 15 debit card purchases or accumulate $500 in debit card spending
• Be subscribed to eStatements
• Make one monthly deposit of at least $500 from either a direct deposit or an ACH deposit

Monthly periods are based on calendar months. The last day of the month must fall within 120 days of account opening to count toward the bonus qualifications.

For example, if an account is opened on September 12, 2025, then 120 days later would be January 10, 2026. Since the last day of the month must fall within 120 days of account opening, this would mean that September, October, November, and December would all be eligible months in which the requirements for the Xtraordinary Checking Account could be met.

To determine your bonus, Connexus will take the average daily balance from the first two monthly periods in which requirements were met and average them together. Bonus tiers are as follows:

• Average balances of $999.99 and below will receive a $0 bonus.
• Average balances of $1,000.00 – $4,999.99 will receive a $100 bonus.
• Average balances of $5,000.00 – $9,999.99 will receive a $200 bonus.
• Average balances of $10,000.00+ will receive a $300 bonus.

This bonus offer is tied to the standard requirements for our Xtraordinary Checking Account. These same requirements are necessary to earn 5.00% APY‍¹ on your account balance up to $25,000. By meeting these requirements, you not only qualify for our bonus offer, but you can also earn a competitive APY on this high-yield 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.

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.

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.

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

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

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.

To earn 5.00% APY‍¹ on account balances up to $25,000, you must meet the following monthly requirements:

1. Make 15 debit card purchases or accumulate $500 in debit card spending by month end.
2. Subscribe to eStatements – here’s how.
3. Make a direct deposit or an ACH deposit (from a non-Connexus account) of at least $500. 
   • Some example deposits 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.

Ready to apply? Open your account today

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

The Xtraordinary Checking Account earns 5.00% APY‍¹ on balances up to $25,000 as long as monthly requirements are met. Any balance above the $25,000 limit will earn 0.25% APY‍¹ if monthly requirements are met.

The Teen Checking Account earns 2.00% APY‍² on balances up to $1,000. Any balance above the $1,000 limit will earn 0.25% APY‍².

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.

Members age 10-17 are eligible for a Teen Checking Account. When members turn 18, the Teen Checking Account will automatically transition into a Simply Free Checking Account.

Only a parent or legal guardian can complete an application for a Teen Checking Account on behalf of a minor.

Please note that documentation may be required for the minor and parent/legal guardian, including a Social Security Card, birth certificate, legal guardianship paperwork, and photo ID.

Yes, debit cards issued for your Checking Account are free.

Yes, there are three ways you can protect yourself from overdrafts.

1. Link your Savings and Checking Accounts. If you overdraft, we will automatically transfer money from your Savings to your Checking to cover the balance for free. You can link your accounts by calling us at 800.845.5025.
2. Apply for an Overdraft Line of Credit. The credit limit ranges from $300-$1,000 with an interest rate of 18.00% APR^*. To add this protection, apply for an Overdraft Line of Credit online or call us at 800.845.5025.
3. Privilege Pay overdraft service. This service is automatically added to all Connexus Checking and Money Market Accounts. With Privilege Pay, at our discretion, we may authorize and pay your check, ACH, or Bill Pay transactions even though they overdraw your account. You will be subject to a fee of $18 each time we pay an overdraft or $18 each time we return a transaction unpaid, with a combined maximum of two (2) fees assessed per account, per business day. You will not be charged a fee on a transaction that overdraws your account by $10 or less. Overdrawn balances are due within 30 days of use. Privilege Pay does not automatically cover debit card and ATM transactions, but you can request to add this to your account(s) by calling us at 800.845.5025 or opting in through Digital Banking.

* APR = Annual Percentage Rate. Maximum loan amount $10,000. Finance charge begins to accrue on the date an advance is made on the line. No annual fee. Loan subject to approval and qualifications. Certain restrictions may apply. Review the Fee Schedule for any fees that may apply.