800-688-7228 Routing #314088284
Support Center Location & ATMs Login
Become a member
Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member
Checking Accounts

Your checking needs are covered

A checking account is the foundation of your financial wellbeing. Choosing the right one helps support how you spend and manage your money each day. Whether you’re looking for dividends, protection from overdrafts or something in between, we offer straightforward checking options designed to support your financial health.

Checking accounts that set the foundation for financial health

Not all checking accounts are the same. Choosing the right account depends on your stage of life, your spending habits and your current financial goals. If you need help deciding which account is right for you, give us a call or stop into your local Financial Health Center, where our knowledgeable team members are ready to help.

Sensible Spend Checking

The checking you know, but without possibility of overdraft

  • Open with $0 minimum deposit
  • No overdraft fees or monthly fees
  • Unlimited debit card usage
  • Does not offer checks
  • Does not earn dividends
Learn more about Sensible Spend
Free Checking

Full-service checking without the fees

  • Open with a $25 minimum deposit
  • No minimum balance or monthly fees
  • Unlimited debit card use
  • Unlimited check writing
  • Does not earn dividends
Explore Free Checking
gradient-dividend-checking-account-icon
Dividend Checking

Full-service checking plus dividends

  • Open with a $25 minimum deposit
  • No monthly fees when enrolled in direct deposit and online statements
  • Unlimited debit card use
  • Unlimited check writing
  • Competitive dividends paid monthly on any balance
Check out Dividend Checking
Checking Features

Features of Credit Human checking

All Credit Human checking accounts come with features that take financial health to a whole new level. No matter which checking account you open, your next step is to make the most of the following features to support your financial health.

allpoint-logo Feature
Business Checking, Checking Accounts (all)

55k + Allpoint ATMs worldwide

Credit Human members have fee-free access to more than 55,000 ATMs worldwide through the Allpoint ...

Find an ATM
digital-banking-feature Feature
Digital Banking, Checking Accounts (all)

Protect your debit card from unauthorized use

Card Controls are a powerful tool to manage your debit and credit cards from any of your devices. ...

Log in to access card controls
get-your-paycheck-up-to-two-days-early-with-Easy-Pay Feature
Checking Accounts (all)

Get your paycheck up to two days early with Early Pay

Your paycheck and federal benefits are in your account faster with Early Pay. It’s free and ...

Login to set up direct deposit
activate-round-up-to-start-saving-resource-thumbnail Feature
Checking Accounts (all)

Activate Round Up to start saving—a little at a time

Starting a savings habit is hard, but you can automate your savings when you opt-in to Round Up. ...

Add Round Up to your account
earn-when-you-spend-with-cashback-plus-gift-cards Feature
Checking Accounts (all), Digital Banking

Earn when you spend with CashBack+ gift cards

Get up to 20% cash back on digital gift card purchases from your favorite brands. There is no limit ...

Activate CashBack+ now
identity-theft-resolution Feature
Credit Cards (all), Account features

Identity theft resolution

Get free identity theft resolution services, including support with affidavits, credit agency ...

cosolidate-debt-with-a-balance-transfer Feature
Account features, Checking Accounts (all)

Price protection

If you see a lower price in a printed advertisement or non-auction internet advertisement for a ...

extended-warranty Feature
Checking Accounts (all)

Extended warranty

Your debit card automatically doubles the original manufacturer warranty up to a maximum of 12 ...

identity-theft-resolution Feature
Credit Cards (all), Account features

Zero liability protection

Find a charge you didn’t authorize? With zero liability protection through Mastercard, you’re ...