Rewards Checking
Paying one of the highest yields nationwide while offering all the conveniences you deserve!
Earn up to 5.00% APY*
Fast. Easy. Free. Rewarding!
- Get paid up to two days early with early direct deposit**
- Mobile Wallet for Debit Card
- Zelle
- Unlimited reimbursement for any and all ATM fees**
- No monthly maintenance fees, for anything
- Unlimited check writing
- Free Digital Banking, Mobile Banking and Bill Pay
- Over 30,000 ATM & over 5,000 shared branches
*CCU’s Free Rewards Checking account is a tiered rate account. Please see all terms and conditions on qualifying rate tiers. APY = Annual Percentage Yield. No minimum balance required.
**We offer over 30,000 surcharge-free ATMs nationwide and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements. Minimum $5.00 opening deposit required. Early Direct Deposit: Early fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.
Enjoy a Great Rate on a High Yield Account That Pays You Back.
Earn 3.00% APY*
on balances up to $10,000
- Receive eDocuments (enroll and accept the disclosure)
- Make at least 12 debit card purchases each month.
- Direct deposits, Mobile Check Deposits or ACH Credits totaling $500 or more monthly
Earn 4.00% APY*
on balances up to $10,000
- Meet requirements to earn 3.00% APY plus:
- Spend $500 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.
Earn 5.00% APY*
on balances up to $10,000
- Meet requirements to earn 3.00% APY plus:
- Spend $1000 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.
APY = Annual Percentage Yield. For all tiers, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. Please see all terms and conditions on qualifying rate tiers. Fees may reduce earnings
Why Choose
Consumers Credit Union?
Don't take our word for it, here's what others have to say:
"2024 Forbes Advisor Best Credit Union in the Country."
"2025 Fortune Best Workplaces in Chicago."
"Certified as a Great Place to Work for 2025."
Most Common Questions
Rewards Checking FAQ
Free Nationwide
Checking
An interest-bearing checking account that pays up to 5.00% Annual Percentage Yield (APY) on balances up to $10,000! This is one of the highest interest rates you'll find for checking accounts nationwide.
Safety, Security, Convenience
Receive a Visa debit card with chip technology as well as secure online banking and bill pay. We utilize the latest security practices to ensure a safe environment when accessing your account and to protect your sensitive account information. Our secure online banking gives you full access to your account information.
Digital Banking
& Tools
Access and manage all of your account information and details like paying bills, reviewing balances, making transfers, and more. Bank at your own convenience from anywhere at anytime with Digital Banking.
