Get access to your money sooner. When you set up direct deposit you can get paid one day early.
No service charge if requirements are met
Bank Wherever You Are.
With our online banking and mobile banking features, we make it convenient for you to take care of your banking needs.
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.
Lock/Unlock Misplaced Debit Card
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What Our Members Say About Our Account Opening Process
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!
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
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!
Frequently Asked Questions About our High Rate 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.
Do I have to be close to a Finex branch to bank with you?
*6.000% Annual Percentage Yield (APY) is a promotional rate on a tiered rate account.
**6.00% APY paid during the first six (6) months after new account opening on balances between $1 and $25,000, and 0.100% APY paid on all amounts above $25,000 each cycle the minimum requirements are met for Axcess High Rate account. If you do not meet the requirements per cycle, your account will earn 0.05% APY for that month. Rates will revert to posted Axcess High Rate checking rate after 6 months. Currently that rate is 1.50% for general members and 2.50% for premier relationship members. The regular High Rate account is a variable rate that may change at any time after the account is opened. The promotional rate is valid for 6 months after account opening on new accounts/new money only. Limited time offer and may be withdrawn at any time without notice.
**Qualification Requirements to Obtain the Axcess High Rate Checking Rewards: You must satisfy all of the following Qualification Requirements during each monthly Qualification Period to obtain the Rewards: • Have at least one (1) Direct Deposit with a minimum amount of $300 (ACH credit will be accepted if direct deposit is unavailable to member). • Sign up for eServices (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 $1 or more, post to your account. ATM Transactions are not Qualifying Transactions and will not be counted toward the minimum twelve transactions. No Minimum Balance Required. No monthly service charge if direct deposit requirement is met. A $10 Service Charge is imposed if Direct Deposit Requirement is not met. We may change the interest rate and APY on non-promotional account rate at any time after the account is opened. This promotion cannot be combined with other offers and discounts.
***Direct deposit required to receive payroll one day early. Payroll posting by employer may affect ability to receive payroll one day early.