Momentum Checking

This everyday account is way better than ordinary.

  • Enjoy rewards, convenience, and more.

Get rewarded for everyday spending.

LIMITED TIME OFFER! Get up to $300 when you open a NEW Momentum Checking Account.*

Our new Momentum Checking account includes powerful digital tools to manage your money with confidence, anytime, anywhere.

No minimum balance requirement or monthly fees

Avoid overdrawing your account with Courtesy Pay up to $750

Eligible to earn 1.5% APY on balances with Momentum Rewards.**

Enjoy surcharge-free access to 71,000+ ATMs plus 3 free out-of-network ATM transactions per month.* 

You need a checking account that's hassle and fee free, that gives you all the tools you want to manage money easily. Momentum Checking empowers you to:

  • Manage your account and pay bills through our 24/7 online and mobile banking tools.
  • Make the account interest bearing by simply using your debit card and maintaining adequate balances**
  • Back up your account with Courtesy Pay Overdraft Protection to avoid insufficient funds fees                                               

*Each additional out-of-network ATM transaction will incur a $2.50 fee. Other ATM operators may charge fees. 

**Rates valid as of 4/10/23. Momentum Rewards provides a high-rate dividend each month to members that complete at least 20 debit card purchases per month and maintain an average daily balance of $5,000 in their Checking account. Accounts meeting the monthly criteria will automatically receive 1.50% Annual Percentage Yield (APY) applied to balances up to $20,000 and 0.05% APY applied to balances greater than $20,000. Dividends are calculated on a day-of-deposit to day-of-withdrawal basis and credited monthly. Rates and terms are subject to change after account is opened. Membership eligibility rules apply. Fees could reduce the earnings on the account. 

Financial Education

Tips to tune-up your financial plan.