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Looking for the Best Checking Account in CT? - Our Debit Card Has You Covered!

Wherever you are, a Finex debit card is right there with you.

Whether you enjoy cashback or a financial comeback we have a variety of options for you to choose the best checking account!

A Checking Account With Us Gives You:

5,400 Shared Branches Nationwide
55,000 Free ATMs Worldwide
Fraud Monitoring 24/7
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Get Paid One Day Early. Always.

Get access to your money sooner. When you set up direct deposit with any of our accounts you can get paid one day early. 

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Contactless Payments

With our contactless debit card, you can use it anywhere, anytime with one tap and also add it to your mobile wallet like Apple Pay.

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Bank Wherever You Are.

With our online banking and mobile banking features with all accounts, we make it convenient for you to take care of your banking needs.

The Best Checking Account in Connecticut!

You've got choices! We've created five unique accounts to ensure you have what you need.

  1. Axcess Cashback Plus Checking

    Axcess Cashback Plus Rewards has amazing account features such as cash back on debit transactions with identity theft and mobile protections.

    1. Cash Rewards*: 15 cents per every debit card transaction PLUS 25 cents MORE on each transaction over $50.
    2. Access is everywhere! 
    3. FREE Mobile Device Protection: Protect your cell phone with this benefit for you and your family, up to $250 per year with a $50 deductible.
    4. Credit Services*: Gain access to our Credit Trends Tracker 
    5. FREE Identity Monitoring Services with Alerts


     

    *See Axcess Cashback Plus Checking for terms and conditions.

    Open An Account Learn More
  2. Axcess Cashback Checking

    If you are a frequent debit card user, this is the account for you. There is no minimum account balance or service charge if account qualifications are met.

    1. Earn 10 cents for all qualifying debit transactions of $10 or more per cycle!
    2.  through the AllPoint Network. Over 55,000 ATM's worldwide!
    3. Access to over 5,000 CO-OP Shared Branches
    4. FREE Mobile App with Zelle, Remote Deposit, and Bill Page
    5. Credit Score Enhancement Service
      FREE Finex CU mobile app


     

    *See Axcess Cashback Checking for terms and conditions.

    Open An Account Learn More
  3. Second Chance Checking 

    If you’ve ever been turned down for a checking account because of past banking mistakes, re-start checking could offer you another shot at banking. Rebuild your banking history and work your way up to a regular checking account. With this account get a fresh start even if you’ve had issues with your checking accounts in the past.

    1. No minimum balance
    2. Unlimited check writing
    3. Free debit card*
    4. Small monthly service fee of $15

     

    *See Second Chance Checking for terms and conditions.

    Open An Account Learn More
  4. Excel 24 Youth Account

    Finances can seem very overwhelming and confusing at times. However, our EXCEL24 account is also meant to educate and guide you. If there’s ever a time where you feel stuck and need help or have any questions, we here at Finex have the answers. Signing up is simple and easy.

    1. $200 Cash Rebate*± when you take your first auto loan with us.
    2. Special savings account rate of 3%* with no minimum required
    3. Credit Score Updates and Advice
    4. No Fees with this account when requirements* are met

     

    *See Excel24 for terms and conditions.

    Open An Account Learn More
  5. Axcess High-Rate Rewards Checking 

    Axcess High Rate Rewards Checking is a high-yield checking account that pays a premium rate on balances up to $25,000. With our Axcess Rewards Account, you receive the following Rewards.

    1. High Interest on balances up to $25,000*
    2. up to $5 ATM Fee Refunds*
    3. No Service Charge if Requirements are met**

     

    *See High Rate Rewards Checking for terms and conditions.

    Open An Account Learn More

Axcess Cashback Plus Checking

Axcess Cashback Plus Rewards has amazing account features such as cash back on debit transactions with identity theft and mobile protections.

  1. Cash Rewards*: 15 cents per every debit card transaction PLUS 25 cents MORE on each transaction over $50.
  2. Access is everywhere! 
  3. FREE Mobile Device Protection: Protect your cell phone with this benefit for you and your family, up to $250 per year with a $50 deductible.
  4. Credit Services*: Gain access to our Credit Trends Tracker 
  5. FREE Identity Monitoring Services with Alerts


 

*See Axcess Cashback Plus Checking for terms and conditions.

Open An Account Learn More

Axcess Cashback Checking

If you are a frequent debit card user, this is the account for you. There is no minimum account balance or service charge if account qualifications are met.

  1. Earn 10 cents for all qualifying debit transactions of $10 or more per cycle!
  2.  through the AllPoint Network. Over 55,000 ATM's worldwide!
  3. Access to over 5,000 CO-OP Shared Branches
  4. FREE Mobile App with Zelle, Remote Deposit, and Bill Page
  5. Credit Score Enhancement Service
    FREE Finex CU mobile app


 

*See Axcess Cashback Checking for terms and conditions.

Open An Account Learn More

Second Chance Checking 

If you’ve ever been turned down for a checking account because of past banking mistakes, re-start checking could offer you another shot at banking. Rebuild your banking history and work your way up to a regular checking account. With this account get a fresh start even if you’ve had issues with your checking accounts in the past.

  1. No minimum balance
  2. Unlimited check writing
  3. Free debit card*
  4. Small monthly service fee of $15

 

*See Second Chance Checking for terms and conditions.

Open An Account Learn More

Excel 24 Youth Account

Finances can seem very overwhelming and confusing at times. However, our EXCEL24 account is also meant to educate and guide you. If there’s ever a time where you feel stuck and need help or have any questions, we here at Finex have the answers. Signing up is simple and easy.

  1. $200 Cash Rebate*± when you take your first auto loan with us.
  2. Special savings account rate of 3%* with no minimum required
  3. Credit Score Updates and Advice
  4. No Fees with this account when requirements* are met

 

*See Excel24 for terms and conditions.

Open An Account Learn More

Axcess High-Rate Rewards Checking 

Axcess High Rate Rewards Checking is a high-yield checking account that pays a premium rate on balances up to $25,000. With our Axcess Rewards Account, you receive the following Rewards.

  1. High Interest on balances up to $25,000*
  2. up to $5 ATM Fee Refunds*
  3. No Service Charge if Requirements are met**

 

*See High Rate Rewards Checking for terms and conditions.

Open An Account Learn More

Open Your Account Today!

 

All-in-one Mobile Banking Experience

 

We focus on providing you a seamless online and mobile banking experience. Our mobile app makes banking easier, so you can send money with ease with Zelle, have secure conversations with Finex representatives when you have a question, and manage all of your financial accounts in one place.

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SnapDeposit

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Credit Trends

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Bill Pay

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Lock/Unlock Misplaced Debit Card

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Apply for a Loan

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eAlerts and eStatements

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ATM Locator

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Discover More Online Banking Features

 

 

What Our Members Say About Us

 I can honestly say this was one of the best decisions I’ve made. The service here is nothing short of spectacular. The staff here are attentive, caring, and most importantly, EFFICIENT! They were simply amazing!
 
5-stars
Keisha M.
August 26, 2022
I bank with three separate credit unions but the way they treat you here, is just like you are family. Amazing financial institution I started membership via a second chance checking account. They have helped me with all of my financial goals and have laid a solid foundation for my lending needs. Hands down best small bank where you feel apart of !!!! I cannot say anything else but if you are in need of family style banking feel free too join and enjoy the perks of being a member
 
5-stars
Conrad D.
April 28, 2022
It was an amazing experience as Samantha had great customer service and made the process of opening a bank account quick and easy and was very kind and helping!
 
5-stars
Alfredo S.
April 28, 2022
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Become A Member

There are so many reasons! One of the most important being that we’re with you wherever you are, offering the highest quality products and services.

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Why Us?

Whether across the street or across the country, just starting out or starting to think retirement, Finex is wherever you are. 

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Location and Hours

Looking to visit us? Check out our locations and hours. Our team available provides the full-service financial solutions you need.

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Frequently Asked Questions About Checking Accounts

 

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.
What if I have had credit issues in the past? Can I still open an account?
If you've had an unfortunate experience with a checking account in the past, we may be able to help. Learn more about our Restart Checking Account here.
Do I have to be close to a Finex branch to 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 as a member of Finex CU. 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.

Open An Account Today!

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