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Checking with something for everyone.

Ready for a smarter way to bank?

Our accounts come packed with features that make managing your money easier and more rewarding.

Earn cash-back on every debit card purchase.2

customizable account balance alerts icon

Get paid up to 2 days early.3

customizable account balance alerts icon

Earn 3.00% APY**

(with a Max Checking Account)

customizable account balance alerts icon

Checking accounts.

Simply Checking

Best for everyday spenders, those new to banking, and anyone who wants a stress-free banking option.

  $0 minimum to open

  No monthly fee

  0.25% cash-back debit card 2

  EarlyPay 3

  ATM fee waivers

  Earns dividends

$0/month

Open Simply

Plus Checking

Best for busy professional, frequent cash users, or those looking for added perks.

  $0 minimum to open

  Can waive monthly fee 1

  0.35% cash-back debit card 2

  EarlyPay 3

  ATM fee waivers 4

  Earns dividends

Get it for $0/month

($10/month without fee waiver)
Open Plus
Best Benefits

Max Checking

Best for savers, planners, or those who keep higher balances in their accounts.

  $0 minimum to open

  Can waive monthly fee 1

  0.35% cash-back debit card 2

  EarlyPay 3

  ATM fee waivers 4

  Earns dividends

Get it for $0/month

($20/month without fee waiver)
Open Max

Max Checking

Balance Required to Earn Dividends Rate APY*
Up to $10,000 2.96% 3.00%

Ready to switch from your current Everwise checking to Simply, Plus, or Max?

Do it with a call or visit to the branch and you can keep your debit card and account numbers. It's that easy!

Youth Accounts

Teach kids smart money habits with Everwise Youth Accounts. Start with Simply Checking for beginners, or Greenlight—a debit card and money app managed by parents. From first savings to spending, we make learning money skills safe and easy.
 

Learn More    Get Started with Greenlight
Greenlight teens

Easy mobile and online banking.

Transfer funds, pay bills, and manage your cards all in one place. 


Mobile & Online Banking
Everwise Connected graphic

Want to save even more? Pair your checking with a Boost savings account to earn dividends on your savings too. 

Learn More Learn more on criteria to save more with Boost.

debit mastercard

Debit Mastercard® rewards, perks, and peace of mind.

  • Get your card instantly at most Everwise locations. Visit our locations page and look for "Debit Cards Issued Instantly" under Branch Features.
  • Earn cash back on all debit card purchases, and shop confidently with Mobile Wallet.
  • More than 700 free ATMs across Indiana, and 30,000+ surcharge-free ATMs nationwide. 4
  • 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.

Think about all the things you buy every week. That can add up to lots of money spent — and the potential for plenty of cash back. Here are a couple ways to claim your debit rebate:

Subject to membership eligibility requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
* APY = Annual Percentage Yield. APY(s) accurate as of last dividend declaration date.
1 Account fees:  Simply Checking: No monthly account fee. Plus Checking: $10 monthly account fee, waived with $2,000 in electronic deposits or an average balance of $2,000 per month. Max Checking: $20 monthly account fee, waived with $4,000 in electronic deposits or an average balance of $4,000 per month.
2 Debit Mastercard rebate:  Earn 0.25% cash back (Simply Checking) or 0.35% cash back (Plus and Max Checking) on purchases made with your Everwise Debit Mastercard. Rebates are redeemable once the total reaches $10 within the calendar year, with a maximum of $5,000 per year. ATM transactions and cash advances are not eligible for cash back.
Platinum Debit Mastercard Guide to Benefits
3 Early Pay:  Simply, Plus, and Max checking accounts may receive certain ACH credit transactions, up to two days prior to the final scheduled settlement date. Early availability is considered provisional credit, is not guaranteed by any specific time of day, and depends on submission by the payor, fraud prevention checks, and account limits. Early Pay is not a guaranteed service.
4 ATM fee waivers:  Everwise members have access to surcharge-free Alliance One and CO-OP ATMs nationwide. A $2.50 out-of-network (foreign) fee is applied by Everwise to transactions at non-Everwise ATMs. Everwise waives this fee for Alliance One and CO-OP network transactions made within Indiana. Plus Checking: up to two Everwise fees waived per month at out-of-network ATMs. Max Checking: up to four Everwise fees waived per month at out-of-network ATMs.
5 Checks:  Plus Checking: Up to one order of custom Everwise checks is free per calendar year. Max Checking: Up to two orders of custom Everwise checks is free per calendar year.
6 Greenlight:  Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC. Everwise Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Everwise checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer subject to change and partner participation.
Routing Number | 271291826