Checking Accounts
Packed with the modern features you need to manage your money effortlessly.
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: $2,000 in electronic deposits or an average balance of $2,000 per 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
Max Checking
Best for: Maximizing earnings
Balance requirements: At least $4,000/month in electronic deposits, or maintain an average balance of $4,000 per month. Otherwise, $10/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
Worried about switching banks?
Get a personalized step-by-step plan that makes moving your accounts simple.
Takes about 60 seconds.
Youth & Teen Banking
Building financial literacy starts early. Our youth accounts are designed to grow with your family.
- Simply Checking: A safe starter account for teens.
- Greenlight Integration: Parents can manage chores and allowance through the Greenlight app, free for Everwise members.6
Banking built around you.
As a member-owned credit union, Everwise puts people first, helping Indiana and Michigan residents save more, borrow smarter, and feel confident about their money.
Members with older accounts:
Switch in minutes 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!
How do I open a checking account?
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 order checks?
How do I order checks?
Call Member Services at (800) 552-4745. To protect members from potential fraud-related activity, Everwise requires that all first-time check orders be placed directly at your local branch or by calling Member Services.
For reorders you have two additional options:
- Order directly at harlandclarke.com. Have your routing and account numbers handy. Details on finding them are here.
- Log in to online banking and select Reorder Checks. Directions here >
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
Whether you're looking for rewards, a competitive rate or a starter credit card, there may be an option for you.
Empower your kids with financial freedom, backed by your guidance.
The right loan can help you take advantage of opportunities and meet your goals.
*APY = Annual Percentage Yield. APY(s) accurate as of last dividend declaration date.
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.
6 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.
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.