Join 200

Feel better about where you bank.

Discover the Everwise difference and a $200 bonus!*

We believe everyone deserves to grow into their dreams. 

At Everwise, we put people first, and treat everyone as though they matter, because to us, they do! Feel confident about where you bank. Join a credit union that is committed to community, that is committed to you. Open your new Everwise savings & qualifying checking account and get that $200 welcome bonus. 

Use promo code JOIN200 for your $200 bonus. 

Small steps,
big dreams

Small steps are important when working toward high-impact change. Everwise is committed to guiding members to accomplish their financial dreams. Take advantage of our financial education programs and online resources, or talk to a financial professional... all FREE!

We put people first

As a credit union, we're a not-for-profit institution where members receive better rates, generous rewards programs, and convenient technology to deliver the confidence and tools needed to get you ahead.

Low rates,
high yields

Feel confident in getting great rates on loans such as mortgages, vehicle and personal loans, and credit cards, build savings with certificates, and more! Enjoy local, personalized service in a branch or apply online anytime.

Spend smart,
save more

Who doesn’t want more money? Everwise offers several ways to add cash back in your wallet.

  • Earn cash back when you use your Everwise Debit Mastercard®.
  • Round-Up Savings helps you save money automatically. 
  • Accounts that offer competitive dividends and extra security.

Local branches, nationwide access

Here or there, we’re closer than you think. You have access nationwide with our CO-OP shared branches including access to more than 30,000 ATMs.

  • 24/7 mobile and online banking
  • 50+ local locations with 700+ no-fee ATMs

Technology that keeps up with you

Your on-the-go-all-the-time life requires the technology to let you manage your money from anywhere.


Take the step towards your financial dreams.

Compare our checking accounts

 
$0 Monthly Fee Option1
Minimum to Open
$25
$25
$25
$25
No Minimum Balance
Contactless Debit Card Type
Platinum
Platinum
Platinum
World
0.50% Debit Rebate2
Foreign ATM Fees Waived3
1/month
 
1/month
2/month
Loan Discount4
 
Mortgage Discount5
 
ID Protect® Services & Cellular Phone Protection
 
 
Earns Dividends
 
 
.10% Money Market Rate Bump
 
 
 
  Learn More Ultimate Checking Learn More Performance Checking Learn More Advantage Checking Learn More World Checking
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$0 Monthly Fee Option1
Minimum to Open
$25
No Minimum Balance
Contactless Debit Card Type
Platinum
0.50% Debit Rebate2
Foreign ATM Fees Waived3
1/month
Loan Discount4
Mortgage Discount5
ID Protect® Services & Cellular Phone Protection
 
Earns Dividends
.10% Money Market Rate Bump
 
Learn More Ultimate Checking

$0 Monthly Fee Option1
Minimum to Open
$25
No Minimum Balance
Contactless Debit Card Type
Platinum
0.50% Debit Rebate2
Foreign ATM Fees Waived3
 
Loan Discount4
 
Mortgage Discount5
 
ID Protect® Services & Cellular Phone Protection
 
Earns Dividends
 
.10% Money Market Rate Bump
 
Learn More Performance Checking

$0 Monthly Fee Option1
 
Minimum to Open
$25
No Minimum Balance
Contactless Debit Card Type
Platinum
0.50% Debit Rebate2
Foreign ATM Fees Waived3
1/month
Loan Discount4
Mortgage Discount5
ID Protect® Services & Cellular Phone Protection
Earns Dividends
 
.10% Money Market Rate Bump
 
Learn More Advantage Checking

$0 Monthly Fee Option1
Minimum to Open
$25
No Minimum Balance
Contactless Debit Card Type
World
0.50% Debit Rebate2
Foreign ATM Fees Waived3
2/month
Loan Discount4
Mortgage Discount5
ID Protect® Services & Cellular Phone Protection
Earns Dividends
.10% Money Market Rate Bump
Learn More World Checking
 

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

*$200 Checking Bonus offer effective 5/1/2024. Limited time only and subject to termination without notice. A) Open an eligible account using or mentioning promo code Join200. B) Have Direct Deposit(s) of $500 or more directly deposited to your new checking account for a minimum of 3 consecutive months, with the first direct deposit within 60 days of opening the checking account. When all requirements are met the $200 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus applies to new memberships. Limit of one new checking account bonus per membership. Eligible Accounts: Performance, Advantage, Ultimate and World checking accounts. The $200 bonus will be credited to the checking account on or before the close of the first full statement cycle after meeting requirements. You may receive an IRS tax form 1099-INT for the cash incentive. 

1Options to Reduce Monthly Account Fee: 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.

2Earn .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).

3Members 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.

4Excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder and commercial loans.

5Mortgage origination fee discount of $100.

Routing Number | 271291826