![](https://www.connexuscu.org/wp-content/uploads/2024-06-499017-Simply-Free-Checking-Campaign-Product-Page-Hero.jpg)
Checking Accounts
Keeping it free and simple for you.
Enjoy no monthly maintenance fee and easy access with Simply Free Checking.
Questions? We can help.
Which account fits you best?
Account Benefits | Xtraordinary | Simply Free | Teen |
---|---|---|---|
Monthly yield | Up to 1.75% APY1 | None | Up to 2.00% APY2 |
Requirements to earn yield | 15 debit card purchases | None | None |
Monthly rebates of ATM provider surcharges3 | $25 | None | None |
Free Connexus ATM transactions | Unlimited | Unlimited | Unlimited |
Free CO-OP & MoneyPass® ATM transactions4 | Unlimited | Unlimited | Unlimited |
Free Contactless Visa® debit card | Yes | Yes | Yes |
Free digital banking | Yes | Yes | Yes |
Free statements | Yes | Yes | Yes |
Free overdraft transfers with linked accounts | Yes | Yes | Yes |
Why should I choose Connexus?
Earn up to 1.75% APY1
Far above the national average, this is one of the highest yields you’ll find.
Easily track your progress
Easily track progress towards earning your 1.75% APY1 with our Xtraordinary Checking Progress tool, now available in Digital Banking.
Say goodbye to fees
No Connexus ATM fees. No maintenance fees. No minimum balance requirements. Fees aren’t our style.
67,000+ surcharge-free ATMs
There are in-network ATMs across the country. Find an ATM near you.
Earning an excellent APY on your Checking is easier than ever!
Tracking progress toward Xtraordinary Checking’s 1.75% APY1 just got easier with our Xtraordinary Checking Progress tool, now available in Digital Banking.
- Monitor progress toward the monthly requirements
- Get prompts for the goals you still need to meet
- Easily see your status at a glance within the tool
Check out Digital Banking
Member success stories
![Chelsi](https://www.connexuscu.org/wp-content/uploads/Testimonial_Chelsi-Wisconsin_680x680-1.webp)
Chelsi
Wisconsin
“I feel there is nothing Connexus wouldn’t take care of for me, which has made the transfer of my accounts from my previous bank an easy decision.”
![Darrell](https://www.connexuscu.org/wp-content/uploads/Testimonial_Darrell_680x680-1.webp)
Darrell
Texas
“Very happy to keep my money at Connexus Credit Union, as they believe in treating their customers with respect and dignity.”
FAQs: You asked. We answered.
Do you offer overdraft protection?
Yes, there are three ways you can protect yourself from overdrafts.
- 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.
- 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.
- 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 $4 each time we pay an overdraft (overdraft paid fee) or return a transaction unpaid (overdraft returned fee), with a combined maximum of 2 fees assessed per account, per business day. 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.
What happens if I don’t meet the monthly requirements for an Xtraordinary account?
What are the age requirements for the Teen Checking Account?
Members age 10-17 are eligible for a Teen Checking Account. When members turn 18, the Teen account will automatically transition into a Simply Free Checking Account.
Do I get a free debit card with my checking account?
Who can complete an application for a Teen 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.