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Personal checking
Everence Federal Credit Union offers two types of checking accounts for individual members, each with its own benefits and protections.
Products
Checking made easy
Everence Federal Credit Union offers regular and dividend-earning checking accounts for individual members with electronic features so you can bank on the go.
No minimum balance
Regular checking
Our standard checking account with no minimum balance and no monthly fees.
2.00% APY1,2
Relationship checking
Our reimagined dividend checking account where you can grow your money faster!
Open a Relationship Checking account with at least $25 and maintain a minimum of $1,000 in the account to earn the basic checking dividend rate (.15% APY1).
Earn a total of 2.00% APY1,2 on your Relationship Checking account when you meet these additional requirements:
Sign up for online banking (with a minimum of one log in per month) and eStatements.
Post ten monthly credit and/or debit card transactions (excluding ATM transactions).
Post direct deposits aggregating to a minimum of $1,000 monthly (or one or more monthly ACH credits aggregating to a minimum of $1,000 monthly).2
FEATURES
Get more from your checking account
Both our regular and relationship checking accounts offer benefits to you as a member of the credit union.
Overdraft protection
We can help you set up automatic overdraft protection from your savings account.
Unlimited transactions
There is no limit on the amount of check and debit card transactions each month.
Debit card with no annual fee
Use for point-of-sale purchases and cash withdrawals at ATMs.
Electronic bill payment
Receive this service free with no usage fees when active.4
Start saving by rounding up
Our debit card round-up feature rounds purchases to the nearest dollar, transferring the difference to your savings account.
It’s a simple way to grow your savings that you can turn on or off in online banking.
Youth checking opportunities
Student Checking Account
Our Student Checking Account is designed for individuals ages 13–22, offering flexibility and convenience with no fees, minimum balance, or opening deposit required. It includes digital money management tools for easy access and control on the go, plus the opportunity to earn dividends when qualifications are met. Perfect for students starting their financial journey and learning to manage money with confidence.
Join Greenlight – On Us
As an Everence Federal Credit Union member with a checking account, you have access the Greenlight SELECT plan for free3, empowering the children in your life to learn essential money management skills.
Add a checking account
Members can add a checking account with the form below. Non-members can open a checking account through the membership application.
Call or visit your local office to place your first order with Harland Clarke. After your initial order has been placed with Harland Clarke, check reorders can be made directly online.
Courtesy pay
Added protection for your account
Everence Federal Credit Union will pay for items presented against your checking account, even if paying the item causes the account to become overdrawn. There is a $20 fee associated with this service for consumer accounts. Courtesy pay comes automatically with our checking accounts, but you can opt out of the service if you wish by completing the opt-out form on our courtesy pay disclosure.
Switch to Everence
Why make the switch?
Everence is not just another credit union. We help our members put their values into practice, through mutual aid, community support and people helping people. We’ve developed ways to make this happen by integrating unique features into our products and services.
Disclosure
1APY = Annual Percentage Yield. Rate effective as of September 1, 2026 and subject to change without notice. Contact us for current rates.
2$25.00 minimum to open; $1,000 minimum average daily balance each month to earn 0.15% APY. Fees may reduce earnings on the account. To qualify for the additional Relationship Checking account 2.00% APY, you must activate and maintain online banking and eStatements with at least one online banking log in per month, make at least ten monthly credit and/or debit card transactions (excluding ATM transactions), and have a monthly minimum of one direct deposit or one ACH credit. Direct deposits and ACH credits must be a total of $1,000 or more within each month. Offer limited to one account per personal tax ID. Must qualify for membership and checking account and debit card. Minors are not eligible for a credit card and must have a parent/guardian joint owner for checking and debit card.
3Everence Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Everence Federal Credit Union personal 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. Greenlight offer ends 10/23/2026. Offer subject to change and partner participation. Card images shown are illustrative and may vary from the card you receive. The Greenlight prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Participation in this program is through Greenlight and at member’s discretion. Everence Federal Credit Union does not endorse or guarantee the products or information provided on any links to third-party web sites, nor is liable for products and services advertised on linked sites. We recommend a careful review of each site you visit’s privacy policies which may differ from ours.
4A $5 monthly fee occurs after four months of inactivity.
Everence Federal Credit Union is federally insured by NCUA.
