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Bank with confidence.

Open an Everwise checking account and get $250.*

Get My $250

Step 1: Choose your account.

Open an Everwise checking account using the code GET250. We’ve broken down our three checking accounts below to help you find the best fit for your financial lifestyle.

Simply Checking

Simply Checking
$0
monthly fee

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



Open Simply Checking

Plus Checking

Plus Checking
0.35%
cash back

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.

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
Open Plus Checking

Max Checking

Max Checking
3.00%
APY* (up to $10,000)

Best for: Maximizing earnings

Balance requirements: No monthly fee when you maintain at least $4,000/month in electronic deposits or a $4,000 average balance each month. Otherwise, $20/month.

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
Open Max Checking

Step 2: Unlock your $250 offer.

Take these three easy steps after opening a checking account with code GET250:

1.) Make qualifying electronic deposit(s) of $500 or more.*

2.) Make 10 debit card purchases.

3.) Enroll in eStatements. Done!

Shared checking features.

Earn cash-back on every debit card purchase.2

Get paid up to 2 days early.5

Earn 3.00% APY.**
(with a Max Checking account)

Claim your bonus with promo code GET250.

Get my $250 Make an appointment

Trusted by 300,000+ members.

Everwise Member Charissa Y

I love the small‑town banking experience. Everyone is always welcoming and helpful. Friendly, thorough service every time.

-Charissa Y, Indianapolis, IN
Everwise Member Darwin U

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.

-Darwin U, Fishers, IN
Everwise Member Andrew M

I love the staff at my local Everwise branches—they always do a fantastic job! Prompt, knowledgeable, and caring. That’s Everwise.

-Andrew M, Hebron, IN

Because your money deserves the best protection.

Customizable account and balance alerts.

Free identity protection through Mastercard®.

Funds are federally insured up to $250,000.

Review and respond to flagged fraud transactions via text.

Big dreams deserve simple banking.

At Everwise, we put you first, helping you to grow and secure your finances so you can live life confidently.

FAQs

See all FAQs

How do I open a checking account?

Visit the Checking page to compare accounts and open one online.

If you’re already enrolled in online banking, you can open a checking account using the Open Accounts & Loans tile.

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

What is Early Pay and how does it work with direct deposits?

Early Pay lets you access your paycheck or other direct deposits up to two days earlier than traditional banks. This helps you access your paycheck faster for better cash flow management. It is automatically included with Simply, Plus, and Max Checking. 

No sign-up is required. As soon as your employer or payroll provider submits payroll records early, you may see your paycheck up to two days before your scheduled pay date. The amount will always reflect what your employer has on file for that pay period. Keep in mind that early availability depends on when your employer submits payroll, so not every deposit is guaranteed to arrive early.

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. All credit union programs, rates, terms and conditions are subject to change without notice.

* $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.

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.

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 is free per calendar year. Max Checking: Up to two orders of custom Everwise checks is 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.