HIGH-YIELD CHECKING

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Your Xtraordinary Checking Account now offers a higher yield! Start maximizing your earning potential today.

How to earn your higher yield

Digital Banking App

4.7 Rating    18K+ Reviews

Forbes

BEST IN STATE CREDIT UNION
2025

NerdWallet

BEST CREDIT UNIONS OF 2025
4.3

Kiplinger

BEST CREDIT UNION 2025

account requirements & perks

Take your Xtraordinary Checking to the next level

Earning 5.00% APY‍1 on your account balance up to $25,000 is easy! Here are the updated monthly requirements to earn this higher yield:

  • Make 15 debit card purchases or accumulate $500 in debit card spending.
  • Subscribe to eStatements – here’s how.
    Already subscribed? You’re good to go!
  • Make one monthly deposit of at least $500 from either a direct deposit or an ACH deposit.

To learn more about the updates to your Xtraordinary Checking Account, please review our Frequently Asked Questions (FAQs).

Review FAQs
Xtraordinary Checking
Monthly fees

None

Minimum balance requirements

None

Minimum balance requirements

$15

Free Connexus ATM transactions

Unlimited

Free CO-OP & MoneyPass® ATM transactions‍3

Unlimited

Free, contactless Visa® Debit Card with Mobile Wallet capabilities
Convenient Digital Banking access
Free statements
Free overdraft transfers with linked accounts
Earn more

Say hello to your higher yield

Far above the national average, your Xtraordinary Checking Account offers one of the highest yields, allowing you to earn more than $1,200 a year!‍1‍4

Earning an excellent APY is easier than ever!

Track your progress toward earning 5.00% APY‍1 using our Xtraordinary Checking Progress tool in Digital Banking. 

Monitor your progress toward the monthly requirements

Get prompts for the requirements you still need to meet

Easily check your status at a glance within the tool

Check my progress Check my progress
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 10/16/2025. 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. ATM surcharge rebates only apply to ATMs within the United States.
  3. Find a CO-OP or MoneyPass ATM at connexuscu.org/about/branch-and-atm-locations/.
  4. For illustrative purposes. Your earnings may differ. Fees may reduce earnings.