Enjoy-cashback-rewards-with-a-checking-account-at-Finex-Credit-Union.

The Cashback Checking Account For You

Select the best Cashback Checking Account to fit your needs. With rewards and BONUS rewards, Finex Credit Union has the right Cashback Checking Account for you!

Apply Now
Get Ready For Rewards

Cashback Rewards and Cashback Rewards PLUS Checking Offer:

Cash back with every qualifying Debit Card transaction and no monthly fees for qualifying members!

  • Get Paid One Day Early

    When you enroll in Direct Deposit you get paid one day early.1
  • Contactless Payments

    Use your Debit Card with a tap or add it to your mobile wallet for both Google Pay and Apple Pay.
  • Fraud Monitoring 24/7

    Keeping your money safe around the clock.

Apply Now

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the sender.

Discover Your Perfect Checking Account

Discover the perfect Checking Account to suit your financial needs and unlock a world of rewards when you open your Checking Account online today!

Earn Cash Back Rewards

Cashback Rewards Checking Account

  • Earn $0.10 per qualifying Debit Card transaction2
  • No Minimum Balance3
  • No Service Charge3
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile App Banking
  • Access to over 55,000 surcharge-free ATMs
Apply Now
Earn More Cash Back

Cashback Rewards Plus Checking Account

  • Earn $0.15 per qualifying Debit Card transaction2
  • Plus earn $0.25 MORE on transactions over $50
  • Mobile device protection
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile App Banking
  • Access to over 55,000 surcharge-free ATMs
Apply Now
Maximize Your Earnings

High Yield Checking Account

  • Maximize your earnings with our highest rates
  • No Minimum Balance
  • Credit Score Enhancement
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile App Banking
  • Access to over 55,000 surcharge-free ATMs
High Yield Checking

2 When twelve (12) Finex Credit Union Debit Card transactions (excludes ATM transactions) post to the account during the Reward Period, you will receive Cash Back in the following amount: $0.10  cents per debit card transaction in the amount of ten ($10) dollars or more.  The maximum cash-back payout amount is $10 per cycle. At our discretion, we may change the transaction requirements and reward amounts. Qualification Requirements to Obtain the Cash Rewards. **You must satisfy all of the following Qualification Requirements during each Qualification Period to obtain Cash Rewards. Have at least one (1) Direct Deposit (ACH credit will be accepted if direct deposit is unavailable to the member) in the minimum amount of $300. Sign up for eServices (including estatements, eNews, Homebanking) with a valid email address. You must have a minimum of twelve (12) Finex Credit Union Debit Card point-of-sale transactions or Signature (Qualifying Transactions) in the amount of $10 or more, posted to your account during the Reward Period. ATM Transactions are not Qualifying Transactions and will not be counted toward the minimum twelve transactions or be paid Cash Rewards. $10 Service Charge imposed if Direct Deposit Requirement is not met Cash Back Truth in Savings Cashback Plus Truth in Savings.

3 There is no minimum account balance or service charge if account qualifications are met.

A Checking Account Wherever You Are

From application to managing your money daily, we keep the process simple and online for your convenience. No matter which Checking Account you choose, you'll always get:

  • 24/7 Full Account Access Right at your Fingertips with Online and Mobile Banking

  • Get Your Paycheck One Day Early with Direct Deposit1

  • Access to over 55,000 surcharge-free ATMs & 5,000 Shared Branches

Open your Checking Account online today and experience The Finex Difference!

Get-all-of-your-banking-needs-right-at-your-Fingertips-with-Finex-Credit-Union.

Open your Checking Account online:

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the sender.

Wherever You Are

Access Your Checking Account With Mobile Banking

Manage your Finex Credit Union accounts and enjoy advanced features that help you keep your finances on track from the palm of your hand! 
Apply Now
Wherever You Are In Your Life...

We Have The Checking Account For You

An-excel24-jr-teen-checking-account-can-help-build-a-solid-financial-foundation.

Excel24 Jr. Teen Checking Account

Help your teen, between the ages of 13-17 years, build a solid financial foundation with our Excel24 Junior Teen Checking Account. They'll receive a Debit Card and access to our digital banking tools in order to gain the full banking experience. 

  • No Monthly Fees
  • No Minimum Balance
  • Bank Securely
  • Debit Card with Surcharge-Free ATM Access
Apply Now
An-Excel24-Credit-Builder-Checking-Account-can-help-start-a-credit-building-journey-for-your-teen-or-young-adult.

Excel24 Credit Builder Checking Account

This checking account helps build credit for the average 18-24 year old. We'll help you get started with the right tools to establish and build a strong credit score! Open your account online today.

  • Get Paid One Day Early1
  • Bank Wherever You Are
  • Fraud Monitoring 24/7
1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the sender.
Apply Now
Earn-on-qualifying-debit-card-transactions-with-Cashback-rewards-and-cashback-rewards-plus.

Cashback Rewards and Cashback Rewards PLUS Checking Accounts

Start earning rewards and get cash back with every qualifying Debit Card transaction and no monthly fees for qualifying members!

  • Get Paid One Day Early1
  • Contactless Payments
  • Fraud Monitoring 24/7
1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the sender.
Apply Now
Get-premium-rates-with-a-high-yield-checking-account-at-Finex-Credit-Union.

High Yield Checking Account

Earn premium rates, access your account from anywhere, and the perks keep coming! There are no monthly fees when you have a direct deposit of at least $300, complete at least 12 transactions of $1 or more, and sign up for eServices.

  • Credit Monitoring
  • No Monthly Fees
  • Fraud Monitoring 24/7
Apply Now
A-second-chance-checking-account-from-Finex-Credit-Union-will-give-you-a-reason-to-smile.

Second Chance Checking Account

Whether you have a financial history that is less than ideal or experienced a sudden event that impacted your financial health, get a second chance with a Second Chance Checking Account. Rebuild your credit and get your finances back on track today.

  • No Minimum Balance
  • Low Monthly Fee4
  • Free Debit Card
4 A small monthly service fee of $15. FREE DEBIT CARD  with $200.00/day maximum for all atm/debit transactions. This account was previously titled; Re-Start Checking.
Apply Now
No Wallet, No Worries

Add Your Cards to Your Mobile Wallet

Shop safely and securely without ever reaching for your purse or pocket. Add your cards to a digital wallet and make purchases anywhere contactless payments are accepted.
  • Fast

    Stop digging your debit card from your pocket, purse, or wallet and pay faster from your phone or smartwatch.
  • Secure

    No card information is stored on your phone, and your card number is not sent to merchants.

Google Pay

Use any digital wallet with Google Pay to add your card to an Android phone and start doing more with your money.
Add Your Card to Google Pay

Apple Pay

Use Apple Pay on your iPhone, iPad, Apple Watch, or Mac to simplify your payments while paying on the go.

Add Your Card to Apple Pay

Contactless Payments

Simply hold your phone or watch near the card reader at any merchant where you see the contactless symbol.

View Contactless Symbol

What our members are saying...

"This is a great hometown credit union.  I have used them for all my banking needs including mortgage, car purchases, personal loans, savings, and checking.  The staff are knowledgeable and friendly and a pleasure to work with ."
Ed C.
"I have gotten loans through them and do checking and savings accounts as well. Great personalized service and good rates!"
Kerry M.
"Have been with this Credit Union since I opened up my first checking account in middle school 15+ years ago!  The best"
Zack J.
View All

Checking Account Resources Just For You

Wherever you are, dive into our latest articles on Checking Accounts, Personal Finance, and more!
Financial Wellness in 2024: Avoiding Common Money Mistakes
Personal Finance

Financial Wellness in 2024: Avoiding Common Money Mistakes

If you’re looking for a solid resolution for the new year, consider your financial wellness and put it as a top priority in 2024. With ...

Read More
Home Buying Uncovered: Making the Most of an Off-Season Market
Personal Finance

Home Buying Uncovered: Making the Most of an Off-Season Market

Did you know there is a certain time of the year that is better for home buying? A savvy home buyer who wants to purchase a new home ...

Read More
A Tale of Two Millennials: The Impact of Saving vs. Not Saving
Personal Finance

A Tale of Two Millennials: The Impact of Saving vs. Not Saving

Although the times may have changed and there are many differences between the modern Millennial, Gen Xers, and boomers; saving and ...

Read More
Explore Articles
Your Checking Account Questions, Answered

Frequently Asked Questions

How can I get paid early?

By setting up for direct deposit through any of our checking accounts you can receive the deposit early. One thing to keep in mind is that early direct deposits depend on timing. Your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive to us early, expect it to arrive on your scheduled payday.

How can I bank with you?

Although we have convenient locations available for service, you can use one of over 55,000 surcharge-free AllPoint Network ATMs and over 5,000 credit union shared branches nationwide. You can make deposits and withdrawals free of charge when you’re our member. Finex also has a variety of Mobile Banking functions, so we really can be wherever you are.

What if I had credit issues in the past?

If you have had an unfortunate experience with a checking account or credit issues in the past, we may be able to help. We are here to help you rebuild your banking journey through our Second Chance Checking Account. If you have questions feel free to contact us.