Checking Accounts
Simplicity CU's checking accounts make your life simpler with options that let you prioritize your goals and tools to help you manage your money whenever/wherever you go.
Whether you’re an online/mobile-only kind of person, love the ease of swiping, tapping, or adding your debit card to a mobile wallet, or appreciate the control of writing checks, we have the services you need to get it done.
PLUS, with fraud protection, our debit cards can keep you and your family safe from fraud online and in-store.
Online Account Opening
The online account opening process only takes a few minutes. Gather the following items beforehand for each person on the account in order to help the application go as quickly as possible:
- Social Security Number
- Government-issued Identification
- Account number (if ACH transferring funds from another account)
- Member number (if current member)
Checking Accounts Offered
Whether you’re just starting out with a new account and earning 0.05% APY, or you’re enjoying ALL the perks and qualify for 3.00% APY Reward Checking our checking account is REWARDING!
Here’s how you earn the top rate:
- Be enrolled in eStatements
- Receive Direct or Mobile Deposit of $500 or more
- Complete at least 20 debit/Point of Sale transactions per month
OR
- Have $250,000 or more in aggregate share balances (including savings, checking, and other eligible accounts)
OR
- Special for Young Adults: If you’re 16–21, you get 3.00% APY on your checking—no hoops, no hassle, just your age.
The 3.00% APY applies to balances up to $15,000, and 0.05% applies only to the amount over $15,000. (Example: If your balance is $16,000, you’ll earn 3.00% on the first $15,000 and 0.05% on the remaining $1,000.)
- No fees or minimum balance
- Debit card/ATM access
- Online banking access
- Mobile banking/mobile check depositB
- SimpliPay
- Overdraft account link options
- Unlimited check writing
- Rates
- Minimum balanceA - $1000
- Monthly fee - $5.00/each month balance falls below $1,000
- Debit card/ATM access
- Online banking access
- Mobile banking/mobile check depositB
- SimpliPay
- Rates
- Tax-free distributions (if qualified)
- Tax deductions
- Balance carries over from year to year
- Additional source of retirement income
- Must be covered under an HSA-eligible high deductible health plan (HDHP)
- For more information head to our HSA page
- A Dividend accounts earn dividends on balances over $1000. Money Market account earn dividends on balances over $25.
- B Mobile Banking and Mobile Deposit terms and conditions apply.
- Review the terms and conditions for full account details.