Simplify your everyday banking with these universal features. 

Cash back

Earn 0.5% cash back when you use your Everwise Debit Mastercard® on non-PIN transactions.

Safety & security

ID Theft Protection and customize automated card alerts to protect your money.

ATMs everywhere

Access your Everwise accounts at thousands of locations nationwide.

Compare our checking accounts.

Swipe to the right to view all accounts.

  Ultimate Checking
  Basic checking with all the essentials. For students aged 14 - 23. Earn 3% on your balance. Added identity and mobile phone protection. All the perks in one account.
Monthly Fee $2 $2 $10 $7 $10
Option to Waive Monthly Fee1 checkmark
See how
Can be reduced to $5.
See how
Minimum to Open
$25
$0
$25
$25
$25
No Minimum Balance Requirement
checkmark
checkmark
checkmark
checkmark
checkmark
0.50% Cash Back2
checkmark
checkmark
checkmark
checkmark
checkmark
Foreign ATM Fees Waived3
 
2/month
1/month
1/month
2/month
Loan & Mortgage Discount4
 
 
checkmark
checkmark
checkmark
ID Protect® Services & Cellular Phone Protection
 
 
 
checkmark
checkmark
Earns Dividends
 
 
Max 3.00% APY* on ≤ $10,000
 
  Learn More Learn More Learn More Learn More Learn More
Scroll Right
Scroll Left

Ultimate Checking

Balance Required to Earn Dividends Rate APY*
Up to $10,0002.96%3.00%
Greater than $10,0000.10%0.10%
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings. Must have statement delivered as eStatement and have at least 15 non-ATM debit card transactions, each equaling $5 or more during the monthly statement period, or no dividends will be paid.

World Checking

Balance Required to Earn Dividends Rate APY*
Less than $50,0000.05%0.05%
$50,000 and greater0.15%0.15%
*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. Fees may reduce earnings.
Everwise Debit Cards

Earn cash back with the power of Debit Mastercard®.

  • 0.5% cash back on non-PIN transactions.²
  • Easily pay from your mobile phone via Mobile Wallet
  • Save effortlessly with Round-Up Savings. Each time you make a purchase with your Debit Mastercard, we'll round up the change and automatically transfer it to your savings.
  • Quickly replace lost or stolen cards at most Everwise branch locations
Discover all debit card benefits

So many ways to stay connected with your money. 

Everwise Connected graphic

Promotional content related to product page

Don't miss a beat when switching checking accounts—let our comprehensive Switch Kit guide lead the way.

Checking accounts at a glance.

Ultimate Checking
Earn 3.00% on your checking balance.
  • The highest earning account of all our checking accounts
Performance Checking
Basic checking with all the essentials.
  •  Many options to easily drop monthly fees to $0.
Advantage Checking
Checking that protects.
  • Identity and mobile phone protection
  • Mortgage and loan discounts.
Student Rewards Checking
Cash rewards for smart money management.
  • For students aged 14 - 23
World Checking
All of our checking perks included in one account.
  • Waive up to 2 foreign ATM fees per month
  • Mortgage and loan discounts
* APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.

1 Options to Reduce Monthly Account Fee:

Student Rewards Checking: A monthly account fee of $2 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as eStatement.

Performance Checking: A monthly account fee of $2 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as eStatement OR if your combined deposit, loan, and Everwise Investment Services balances exceed $2,500 OR have direct deposit, OR you perform 10 transactions in the account.

Advantage Checking: A monthly account fee of $7 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as an eStatement.

World Checking: Account subject to monthly fee of $10; however, $2 will be waived if monthly if account is enrolled in eStatements or $10 will be waived if your combined deposit, loan, and Everwise Investment Services exceed $100,000.

Ultimate Checking: A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid.

2 Earn .50% cash back rebate on non-PIN purchases with your Everwise Credit Union Debit Mastercard. Rebate is redeemable once the rebate amount reaches $30 within the calendar year. The maximum rebate per calendar year is $5,000. Eligible purchases do not include ATM transactions or those made using a personal identification number (PIN).

3 Members receive free use of Alliance One and CO-OP ATMs within Indiana. A $2.50 foreign transaction fee applies to Alliance One and CO-OP outside of Indiana.

4 A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, and commercial loans).

Routing Number | 271291826