What makes each Everwise checking account special?
Simply Checking
Perfect for basic banking needs. Get essential features like Early Pay 1 on direct deposits, cash back on debit card purchases2, and access to thousands of surcharge-free ATMs. Ideal for everyday spenders, those new to banking, and anyone who wants a stress-free banking option.
Plus Checking
Ideal for when you need cash on-the-go and want extra perks. Enjoy higher cash back rates, ATM fee reimbursements3, and easy digital banking for busy lifestyles. Best for professionals, frequent cash users, or those looking for added benefits.
Max Checking
Packed with all of the perks, plus you'll earn dividends on your checking balance. Maximize your benefits with premium features, including 3.00% APY*, more ATM fee waivers, and more free checks. Best for savers, planners, or those who keep higher balances in their accounts.
Why choose Everwise for your checking account?
Community-focused banking
As a local credit union, we invest in Indiana and Michigan communities. Your deposits help fund local loans and support neighborhood development projects.
Digital banking made simple
Access your account 24/7 through our mobile app and online banking platform. Deposit checks, transfer funds, and manage your money from anywhere with secure, user-friendly technology.
Personal service that matters
Our local team knows your name and understands your financial goals. Get personalized advice and support from people who live and work in your community.
Competitive rates and lower fees
Credit union membership means better rates and fewer fees compared to traditional banks. We return profits to members through improved services and competitive pricing.
What is Early Pay and how does it work with direct deposits?
What is Early Pay and how does it work with direct deposits?
Early Pay¹ 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.
Which account offers the best cash back rewards?
Which account offers the best cash back rewards?
Plus and Max checking accounts earn 0.35% cash back on debit card purchases, while Simply checking earns 0.25%. All accounts let you redeem rewards once you reach $10.
What ATM networks can I use without fees?
What ATM networks can I use without fees?
Every Everwise checking account provides access to Alliance One and CO-OP ATM networks nationwide.³ Plus checking waives up to two out-of-network fees monthly, while Max checking waives up to four.
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.
Everwise Checking Accounts
Ready to level up your checking? From cash back to competitive APY and early pay, Everwise checking gives you more ways to make your money work for you.
Subject to membership eligibility requirements. All credit union programs, rates, terms and conditions may change without notice.
Information accurate as 01/01/2026. The quiz is available as a self-help tool for independent use and is not intended to provide financial advice. It is to be considered as general information, not recommendations and we do not guarantee the accuracy of the matched account in regards to individual circumstances. Please consult with an attorney, financial, or tax professional for guidance.
* APY = Annual Percentage Yield. APY(s) accurate as of last dividend declaration date.
1 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.
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 Greenlight: 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.
5 $250 Checking Bonus offer effective 7/1/2025. 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.
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.
