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Checking Account

Make daily spending better.

A checking account is your constant companion. It should fit your lifestyle like a snug backpack.

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    • Advantage Checking

      Discounts, rewards, ID theft aid, and roadside assistance. $3.95 a month.

      Open Account
    • Simply Checking

      Completely free.

      Open Account

    Why Elevate?




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    No Minimum Balance

    We don’t charge fees if you drop below a certain balance.



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    Online and Mobile Tools

    Manage your checking account with direct deposit, bill pay, mobile deposit, mobile banking, and online banking.



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    Payment Coverage

    Prevent declined transactions with Courtesy Pay and Overdraft Protection.



    Deposit a check from your phone

    Mobile deposit and online bill pay.

    Manage your checking account through a variety of online tools. Snap a picture of a check to get it into your account and pay bills without ever licking another envelope.

    Learn More
    nationwide ATMs graph 30000 for Elevate chase 18,625

    More fee-free ATMs than the big banks.

    Get cash when you need it with a CO-OP ATM network that’s 30,000 strong.

    Find an ATM

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    A powerful debit card.

    A free debit card with remote card controls. We can print it for you instantly at any branch. Once you’ve got it, feel extra safe knowing you can review all your transactions, turn your card off and on, and set up custom alerts with online and mobile banking.

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    Rewards and discounts.

    Advantage Checking comes with access to BaZing rewards. You’ll get special local and online deals, health savings, travel savings, and more.

    Get the Rewards App

    Compare Checking Accounts

    Advantage Checking

    Free Checking

    No per check chargegreen outline circle with green checkgreen outline circle with green check
    Online & mobile bankinggreen outline circle with green checkgreen outline circle with green check
    Free eStatementsgreen outline circle with green checkgreen outline circle with green check
    Free debit cardsgreen outline circle with green checkgreen outline circle with green check
    Funds insured by the NCUAgreen outline circle with green checkgreen outline circle with green check
    Local business discountsgreen outline circle with green check
    Cell phone protectiongreen outline circle with green check
    Identity theft protectiongreen outline circle with green check
    Roadside assistancegreen outline circle with green check
    $10,000 travel accidental death coveragegreen outline circle with green check
    Pharmacy, vision and hearing savingsgreen outline circle with green check

    Open a Checking Account:

    Open AccountOpen Account
  • Frequently Asked Questions

    • Your first Debit Card is free with your checking account. If you need a new card due to fraud, a name change, or an expiration, the new card is free. Replacement cards for other reasons are $5.
    • Roadside assistance covers:
      • Towing
      • Battery service
      • Flat tire assistance
      • Fuel
      • Oil, fluid, and water delivery service
      • Lock-out assistance
      • Collision assistance
      • Extrication assistance
    • There is a $3.95 monthly fee.
    • Accidental Death Coverage covers deaths that occur due to accidents. Check the "Guide Benefits" on the Bazing website for information on how Accidental Death Coverage can be used if tickets have already been purchased.
    • It will cover $400 twice a year.
    • Simply ask your employer to set it up for you today. You’ll need your account number and Elevate Credit Union’s routing number: 324376818. Keep in mind that the name on the payment transferred must match the name on your account. Contact us if you have further questions or need assistance setting up Direct Deposit!
    • Yes! 55+ members with a checking account are eligible to receive up to two free boxes of checks per year.
    • You will get 12 free counter checks when you open a Checking Account with a balance of $100 or greater. Members that are 55+ can get up to two free boxes of checks per year, one box at a time. Additional checks can be purchased by contacting us.
    • You can turn off lost or stolen cards in our mobile app so that no one can use them. If you find your card again, you can turn it back on to continue to use it. If you don't have the mobile app or know that your card has been stolen, you can report it online or call us at 1-800-682-6075.    
    • If you overdraw on your checking, we may cover the amount charged anyway, saving you from the embarrassment and frustration of a declined card. A $25 fee is assessed for this service, but you may save money on bounced checks and merchant fees. If there are available funds in the member’s savings account, the funds will be transferred to checking before Courtesy Pay occurs. Courtesy Pay is for accounts in good standing, has a maximum coverage amount of $600, and may not become effective for the first 90 days of a new account.
    • Overdraft Protection is a line of credit that's linked directly to your account. If you overdraw on your checking, it steps up to cover the costs—so that you don't have to pay hefty insufficient funds fees. From there, it works like a simple loan from Elevate. Pay it off right away to avoid interest, or as you can for a low rate. To opt in to Overdraft Protection, contact us at any time.
  • Send a message

    Please do not include any account-specific information.

      By selecting “I agree” you agree to not submit sensitive data through this form (ex. social security, license, account numbers, etc). If you have a question about your account, please call us or visit a branch.
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    Call or Text (435) 723.3437