Try feeling good about where you bank.
Let’s keep it simple. You don't have to move everything overnight. Keep the accounts you already have, experience the benefits of Everwise membership, and discover what banking can feel like when people come first.
I love the staff at my local Everwise branches—they always do a fantastic job! Prompt, knowledgeable, and caring. That’s Everwise.
Diamond was great! She really knew her stuff and explained everything clearly. Everwise has been easy to work with, and the location is conveniently close to us.
I love the small‑town banking experience. Everyone is always welcoming and helpful. Friendly, thorough service every time.
Try banking with your neighbor.
Experience local service from people who know your community.
Try keeping your money local.
Your membership helps strengthen the communities where you live and work.
Try walking into a branch — and liking it.
Get the convenience of modern banking with the support of real people whenever you need it.
Simply Checking
Best for: Everyday banking
Balance requirements: None
Benefits:
- .25% debit cash back2
- A simple, no-frills checking account.
- Access to your paycheck up to 2 days early5
Plus Checking
Best for: Cash back + fee waivers
Balance requirements: No monthly fee when you maintain $2,000 in electronic deposits or a $2,000 average balance each month. Otherwise, $10/month. 1
Benefits:
- .35% debit cash back2
- Two waived out-of-network ATM fees3
- One box of checks per year4
- Access to your paycheck up to 2 days early5
Max Checking
Best for: Maximizing earnings
Balance requirements: No monthly fee when you maintain at least $4,000 in electronic deposits or a $4,000 average balance each month. Otherwise, $20/month. 1
Benefits:
- .35% debit cash back2
- Four waived out-of-network ATM fees3
- Two boxes of checks per year4
- Access to your paycheck up to 2 days early5
Getting your $250 is simple.
Open your account
Choose a qualifying checking account and use code GET250 on the application or at the branch.
Deposit $500+
Make a total of $500 or more in qualifying electronic deposits.*
Make 10 debit purchases
Use your debit card 10 times. Enroll in estatements.
Do I have to switch financial institutions?
Do I have to switch financial institutions?
No, it's normal to bank at different financial institutions. We are confident that you'll love your experience with Everwise and if you do decide to switch we have a convenient Switch Assistant to help you get started.
Can I keep my current checking account?
Can I keep my current checking account?
Yes, you can keep your checking account elsewhere. In order to earn your $250 bonus you will need to open an Everwise checking account, set up at least $500 or more in qualifying electronic deposit(s), and use your debit card to make 10 purchases.
When will I receive my bonus?
When will I receive my bonus?
Once all 3 qualifying steps are completed you will receive your $250 bonus on or before the close of the next full statement cycle.
Which checking account should I choose?
Which checking account should I choose?
It depends on what matters most to you: keeping things simple, earning more cash back, or maximizing your returns.
Simply Checking: If you want a no-frills account with no balance requirements and no monthly fee, Simply Checking is the way to go. You'll get .25% debit cash back and early paycheck access up to 2 days early, without needing to worry about maintaining any minimum balance.
Plus Checking: If you're looking for better cash back along with some fee waivers, Plus Checking is a solid middle ground. You'll earn .35% debit cash back, get two waived out-of-network ATM fees a year, and a free box of checks. The monthly fee is waived if you keep $2,000 in electronic deposits or maintain a $2,000 average balance — otherwise it's $10/month.
Max Checking: If your priority is maximizing what your money earns, Max Checking is built for that. You'll earn 3.00% APY on balances up to $10,000, plus the same .35% debit cash back, four waived out-of-network ATM fees, and two free boxes of checks a year. This one has a higher bar to waive the fee — $4,000 in electronic deposits or a $4,000 average balance — otherwise it's $20/month.
In short: choose Simply for simplicity, Plus for everyday cash back with lower balance requirements, and Max if you can meet the higher balance requirement and want your checking account to earn you money.
What counts toward the bonus requirements?
What counts toward the bonus requirements?
In order to qualify for the $250 bonus, you need to complete the following 3 steps within 60 days of opening your new account:
- Open a qualifying checking account and enroll in estatements.
- Make a total of $500 or more in qualifying electronic deposits.*
- Use your debit card to make 10 purchases.
How do I set up direct deposit?
How do I set up direct deposit?
Transfer your direct deposit (payroll, Social Security, pension, investment/brokerage, etc.) by downloading the form or by contacting your employer or the business/organization initiating the deposit. Provide them your new account number and Everwise's routing and transit number (271291826).
Resources
- Direct Deposit Form
- Social Security Administration: (800) 772-1213
- Department of Veterans Affairs: (800) 827-1000
Worried about moving your accounts?
Get a personalized step-by-step plan that makes moving your accounts simple.
Takes about 60 seconds.
* $250 Checking Bonus offer effective 7/1/2025, updated 3/17/2026. 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 qualifying electronic deposit(s) of $500 or more to your new checking account. “Qualifying deposits” are recurring funds received through payroll direct deposit or via ACH transfer from another financial institution, financial technology company, and/or digital wallet. Funding your account during online opening, transferring money between Everwise accounts, or making other single funding transactions do not satisfy the “qualifying deposit” requirement. 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.
** APY = Annual Percentage Yield. APY(s) accurate as of last dividend declaration date. Rate may change after the account is opened. Fees may reduce earnings.
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.
3 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.
4 Checks: Plus Checking: Up to one order of custom Everwise checks are free per calendar year. Max Checking: Up to two orders of custom Everwise checks are free per calendar year.
5 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.
Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.