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Best for | Everyday spenders, those new to banking, and anyone who wants a stress-free banking option | Busy professionals, frequent cash users, or those looking for added perks | Savers, planners, or members that tend to keep higher balances in their accounts |
Monthly fee1 | $0 | $0 or $10 | $0 or $20 |
Monthly fee waiver | Waived with $2,000 in average monthly balance or $2,000 in electronic deposits | Waived with $4,000 in average monthly balance or $4,000 in electronic deposits | |
Minimum to open |
$0
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$0
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$0 |
Cash back on debit card purchases 2 |
0.25%
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0.35%
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0.35% |
Get paid up to 2-days earlier 3 | Yes | Yes | Yes |
Everwise fee waiver at non-Everwise ATMs 4 |
None
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Two (2) per month
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Four (4) per month |
Dividends on balances |
None
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None
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3.00% APY on balances up to $10,000 |
Free check orders 5 |
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Up to 1 check order per year
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Up to 2 check orders per year |
Open Simply | Open Plus | Open Max |
Open checking, get $250.*
Earn a bonus when you open an eligible checking account, enroll in online banking, use your Debit Mastercard at least 10 times and make a $500 deposit within 60 days of opening the checking account.
Earn 15x more† with Boost.
Get up to 3.00% APY¹ on all your savings with at least $4,000 in monthly electronic deposits to your eligibile checking account—no monthly fees or minimum balances.
See what members are saying.
Lower loan rates, higher dividends, and easy access are just a few of the things members love about Everwise:
"Everwise always provides great customer service with a smile, professionalism, and a positive attitude."
Chelise D.
Indianapolis
"The employees who work at Everwise are stellar!”
Bruce K.
Granger
"My personal experience with Everwise has been very accommodating and helpful."
Claudia M.
South Bend
How quickly can you reach your savings goals with 3.00% APY?
Features to help you save even more.
- Round-Up Savings: automatically grow your savings with everyday purchases.
- Earn cash back2 on transactions with your Debit Mastercard®.
- Track your spending with Card Connect on our mobile and online banking app.

We’re closer than you think.
You have access nationwide with our CO-OP shared branches including access to more than 30,000 ATMs. Find an Everwise near me.
- 24/7 mobile and online banking
- 50 local locations
- 700+ no-fee ATMs

Compare our checking accounts.
Swipe to the right to view all accounts.
Max Checking
Balance Required to Earn Dividends | Rate | APY* |
---|---|---|
Up to $10,000 | 2.96% | 3.00% |
Greater than $10,000 | 0.10% | 0.10% |
Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
† Based on comparison to the national credit union savings account average of 0.19% APY as of 03/28/2025, National Credit Union Administration.
* $250 Checking Bonus offer effective 5/12/2025. Open an eligible checking account online or at a branch using or mentioning promo code Get250. Then, within 60 days of account opening, complete the following actions: A) Enroll in eStatements using mobile or online banking. B) Make at least ten (10) Debit Mastercard purchase transactions. C) Make electronic deposit(s) of $500 or more to your new checking account. When all requirements are met, the $250 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus not available to members with an existing checking account, or members that have had a checking account closed within the last 12 months. Limited to one bonus per member, regardless of the number of checking accounts opened. Members who have received a new checking bonus previously are not eligible to receive an additional checking bonus. Eligible Accounts: Simply, Plus, and Max checking accounts. Bonus is considered income. You may receive a 1099-MISC form.
¹ APY = Annual Percentage Yield. APY accurate as of the last dividend declaration date. Boost Dividend Qualifications: Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $4,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based upon meeting the Boost Dividend Qualifications. If you do not meet the Boost Dividend Qualifications no dividends (0.00%) will be paid.