Not the other way around 


We’ve got a checking account to fit the way you live. 

Fusion icon - percent sign Fusion Checking

Fusion Checking offers the perfect blend: a terrific interest rate with no monthly fees—ever. So you get paid more without paying a thing. It’s everything you want, fused into one account.

  • 2.00% APY* on balances $0.01-$10,000
  • 1.50% APY on balances $10,000.01-$25,000
  • Always free, all the time—no matter what
  • No minimum balance, no worries
  • Early Payday included free with every checking account

Access Checking

Access Checking is ideal if you’re looking for a free and simple checking account with no overdraft fees, or if you could use some help achieving and maintaining financial wellness.

  • Free, no overdraft fees
  • Bank On Certified means a safe, affordable, inclusive account
  • No fees to cash checks, send money using Zelle®, or to use an Advantis ATM
  • Just $5 to open, with no minimum balance requirements

Cashback Icon - dollar sign with arrows around Cashback Checking

Say hello to unlimited cash. With Cashback Checking, we’ll pay you for every debit card purchase of $3 or more. Truly free, no minimum balance, and no hassles. So, why limit yourself?

  • Earn money even as you spend money
  • Unlimited cash back every month**
  • Free means free—no monthly fees
  • Early Payday included free with every checking account

Start Checking

Open your first checking account with us. Start Checking is part of our Start Financial Program, with special accounts, learning, and resources for teens, young adults, and members new to loans.

  • Created exclusively for members aged 14 to 22
  • Always free, never a monthly Maintenance fee
  • Pays you unlimited cash back on debit card purchases of $3.00 or more!**
  • No complicated requirements

Looking for something else in a checking account?

We’ve got you covered, with even more options to fit your unique needs


Save for current and future health costs
To qualify for an HSA account you must be enrolled in a high deductible health plan (HDHP).

Compare checking accounts


Early Payday

Sooner is better

With Advantis Early Payday™ you get your direct deposit up to two days early. Because when it comes to getting your paycheck, sooner is better.

And Early Payday is included with all of our checking and savings accounts, so you don’t have to lift a finger. Every direct deposit you add to your account is available up to two days early.

Icon Peace of Mind


Enjoy a little extra time to
manage your expenses.

Icon Clock Sooner


Stay in control of your monthly
bills before they’re due.

Icon bench and tree


Breathe easier knowing your money
is there for you.


Enjoy the freedom, flexibility, and control that come with knowing your deposit will be there when you need it most. After all, it’s your money. Why wait?

Why Advantis?

It’s your money. Why wouldn’t we pay you for it?

Unlike big banks, we love the idea of giving you something for nothing. Like a personal checking account that pays you. Not the other way around.

And there’s no hassle when you switch accounts, ClickSWITCH makes it easy to move your direct deposits and recurring payments in just a few clicks. 

Learn about CLickswitch


Checking Account Resources

New to checking?

Already have an Advantis checking account?

Learn how to get the most from your checking account and debit card.

Start earning more with an Advantis checking account

Open online in minutes

Already a member? Sign in to Online Banking to streamline your application.

Stop by an Advantis branch

Call Advantis


(Mon-Fri, 8am -6pm)


*APY= Annual Percentage Yield. APY is accurate as of 10/18/2023. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; and receive statements electronically. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded. **To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cashback Checking or Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Cashback Checking and Start Checking accounts, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Cashback Checking or Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your Cashback Checking or Start Checking account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking or Savings accounts. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account will convert to a Cashback Checking account. Access to funds for Early Payday can be up to two days prior to date of scheduled payment and is dependent on submission of direct deposit by payer. Access Checking: Courtesy Pay (Discretionary Overdraft) is not available on this account. Any items presented for payment on this account will be returned unpaid or declined if the available balance in the account is not sufficient to pay the item.