Checking Accounts

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Enjoy a market-leading yield with Xtraordinary Checking.

Apply to open an account

Questions? We can help.

CHECKING BENEFITS

Connexus Checking Accounts

Our Checking Accounts are designed to help you manage your finances effectively while enjoying no monthly maintenance fees, convenient access through Digital Banking, and no minimum balance requirements. Additionally, our high-yield Checking Account options offer a nation-leading APY, with simple or no requirements. Apply online today to elevate your Checking experience.

Account comparison

Which account fits you best?

Xtraordinary

 Open an account

Simply Free

 Open an account

Teen

 Open an account
High-yield checking

Say hello to extraordinary earnings

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

Earn more with Xtraordinary Checking
Apply for Xtraordinary Checking
checking advantages

Why choose Connexus for your Checking needs?

You can do it all with Digital Banking

The innovative features within Connexus Digital Banking allow you to easily access your account anytime, anywhere. 

Pay bills and make loan payments

Deposit checks using Mobile Deposit

Transfer your funds where you need them to be

And more!

Check out Digital Banking
Frequently asked questions

FAQs: You asked. We answered.

Checking Account

What are the age requirements for the Teen Checking Account?
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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.

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Do I get a free debit card with my checking account?
Yes, debit cards issued for your checking account are free.
What happens if I don’t meet the monthly requirements for an Xtraordinary account?
If you don’t meet the requirements for any given month, you will simply earn no yield that month, and you will not receive the $25 of ATM surcharge rebates that month. There are no fees for not meeting monthly requirements.
Is there a maximum balance for which I can earn the high yield?

The Xtraordinary account earns 1.75% APY‍1 on balances up to $25,000. Any money above the $25,000 limit earns 0.25% APY‍1. The Teen account earns 2.00% APY‍2 on balances up to $1,000. Any money above the $1,000 limit earns 0.25% APY‍2.

Do you offer overdraft protection?

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 $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.

Disclosures

See our Fee Schedule for a list of fees you may encounter.

* Calculated based on the difference between the percent earned in interest between Connexus Credit Union’s rate at 5.000% APY compared to 2.110% APY for the National market average over the life of a high rate share draft. Accurate as of: 10/15/2025. Source: Datatrac

* Calculated based on the difference between the percent earned in interest between Connexus Credit Union’s rate at 5.00% APY compared to .07% APY for the FDIC Interest Checking national deposit rate. Accurate as of: 09/15/2025. Source: FDIC

  1. Annual Percentage Yield (APY) accurate as of 10/15/2025. To earn the applicable dividend rate and APY, subscription to eStatements, a monthly deposit of at least $500 from either a direct deposit or an ACH deposit (from a non-Connexus account), and either a minimum of fifteen (15) debit card purchases or $500 in net spend purchases using your debit card are required per month. ATM transactions are not included. Debit card purchases must post to your account by the last calendar day of the month. You must meet the preceding account requirements to earn dividends during the monthly period.  No minimum balance requirements to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. Rates subject to change. A dividend rate of 4.889% will be paid on your account balance of $25,000 or less when requirements are met; resulting in an APY of 5.00% for the dividend period. Account balances over $25,000 will be paid an APY of 0.25% when requirements are met. Primary owner must be the age of majority (18+) to open this type of account.
  2. Annual Percentage Yield (APY) accurate as of 10/15/2025. No minimum balance requirements to earn dividends. Dividends are compounded and paid monthly. Fees may reduce earnings. A dividend rate of 1.985% will be paid on your account balance of $1,000 or less; resulting in an APY of 2.00% for the dividend period. Account balances over $1,000 will be paid an APY of 0.25%. Rates subject to change.
  3. ATM surcharge rebates only apply to ATMs within the United States.
  4. Find a Co-op or MoneyPass ATM at connexuscu.org/about/branch-and-atm-locations/.
  5. For illustrative purposes. Your earnings may differ. Fees may reduce earnings.