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Personal Checking Accounts

Checking accounts bundled with convenient services

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Rates

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Free Checking

Our most basic checking account with no monthly fee.

  • Unlimited number of check clearings

  • Does not earn dividends

  • No minimum balance

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eChecking

The perfect checking account for digital enthusiasts!

  • Earns Dividends - check rates

  • 4 free check clearings/month1

  • No minimum balance

  • ATM surcharge reimbursements up to $12 per month2

  • Account requirements to avoid $5/mo. service fee: debit card, active digital services account, and eStatements3

  • Free Ready Reserve

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Relationship Checking

A traditional checking account that earns you money.

  • Earns Dividends (tiered levels) - check rates

  • 15 free check clearings per month1

  • No minimum balance

  • Free Ready Reserve

  • Safe Deposit Box discount4

  • First box of checks is free5

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High-Yield Checking

Earn higher dividends with larger deposits.

  • Earns highest-yielding dividends - check rates

  • Unlimited check clearings

  • ATM surcharge reimbursement up to $12 per month2

  • Maintain $2,000 daily balance to avoid $10 monthly fee

    Requirements for high-yield rate include minimum of 12 debit card transactions per month (ATM transactions are not eligible), a reoccurring ACH direct deposit, and enroll in eStatements

  • Free Ready Reserve

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All Personal Checking Accounts Include

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Checking Account Rates

Effective Date: 2/1/2025

eChecking*

Dividend Rate APY Min. Opening Deposit
0.05% 0.05% $0
Dividend Rate 0.05% APY 0.05% Min. Opening Deposit $0

Relationship Checking

Balance Dividend Rate APY Min. Opening Deposit
$0 - $999 0% 0% $0
$1,000 - $4,999 0.10% 0.10% $0
$5,000+ 0.15% 0.15% $0
Balance $0 - $999 Dividend Rate 0% APY 0% Min. Opening Deposit $0
Balance $1,000 - $4,999 Dividend Rate 0.10% APY 0.10% Min. Opening Deposit $0
Balance $5,000+ Dividend Rate 0.15% APY 0.15% Min. Opening Deposit $0

High-Yield Checking*

Balance Dividend Rate APY Min. Opening Deposit
$0 - $20,000 3.445% 3.50% $0
$20,000+ 0.20% 3.50% to 0.86% $0
Qualifications not met 0% 0% $0
Balance $0 - $20,000 Dividend Rate 3.445% APY 3.50% Min. Opening Deposit $0
Balance $20,000+ Dividend Rate 0.20% APY 3.50% to 0.86% Min. Opening Deposit $0
Balance Qualifications not met Dividend Rate 0% APY 0% Min. Opening Deposit $0

APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
* Fees could reduce earnings

Your Money Does Good Here

Providing the 3 Essentials

For every new checking account, Magnifi will donate a clothing item back to your local communities. We provide food, shelter, and clothing to those in need through our 3 Essentials program.

3-essentials-8

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Helpful Additions for Your Checking Account

Every Magnifi checking account can be paired with tools designed to protect your balance, grow your savings, and simplify your day-to-day.

Digital Banking

Optimize your checking account with our Digital Banking platform and add-on services.

Go Digital

Save the Change

Round up your debit card purchases and build up your savings for future expenses.

Start Saving

Overdraft Protection

Safeguard yourself against overdraft fees by adding this perk to your checking account.

Learn More

Resources

Check out all of your other options you can utilize with Magnifi Financial's suite of products and services! Our team works with you individually to ensure you're on track to reach your financial goals.

Reorder Checks

Need more paper checks? Click here to order a new box of checks online with Harland Clarke.

Order Now

Switch Kit

If you're coming from another bank or credit union, we can help make the switching process easier.

Learn More

Savings

Watch your savings grow with a variety of savings accounts fit for you.

Find Out More

1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, Digital Banking login, and eStatements).
3. A $5 monthly fee will be charged for eChecking accounts that do not have a debit card or are not enrolled in eStatements through the Digital Banking platform.
4. Reduce fee $5 annually if enrolled for auto payment.
5. Magnifi Financial standard check style, other styles available at member's expense. Available only at account opening.
6. New consumer checking accounts must deposit a minimum of $250 into the new account to be eligible for an instant-issue card. Magnifi Financial may delay issuance of debit and credit cards for newly opened accounts for the first 6 months of account opening.
7. Your direct deposit is dependent on when the employer/payer send their ACH file to Magnifi Financial. You may receive your funds up to 2 days early.

Membership means more here.

At Magnifi, you're not just a member-owner of an award-winning credit union; you're part of Magnifi and receive all the benefits and perks you need to succeed financially.