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Compare Checking Accounts

We've got the perfect account for you.

Take your pick! All Advantis checking accounts can help you reach your financial goals, and include these free features:

  • Online & Mobile Banking with Mobile Deposit
  • Paperless eStatements
  • 30,000 surcharge-free CO-OP Network ATMs nationwide
  • Online Bill Pay
  • Advantis debit card
  • Direct deposit
Compare Checking Accounts

Cashback Start Access
Earn Interest

2.00% APY on balance $.01-$10,000

1.50% APY on balances $10,000.01-25,000

0.10% APY on $25,000.01 or more

ATM Fee Refunds Up to $25/month N/A N/A N/A
Earn Unlimited Cashback N/A YES! On debit purchases of $3 or more YES! On debit purchases of $3 or more N/A
eStatements Required to receive 2.00% APY* & ATM fee refunds Required to receive unlimited cash back Required to receive unlimited cash back Available
Minimum Balance Requirement None None None None
Monthly Service Fee FREE FREE FREE FREE
Opening Deposit $25 $25 $25 $5
Overdraft Fees $10 $10 $10 No overdraft fees^
Perfect if you:  Carry a moderate/high balance and are active account users. You can earn an incredible rate on your funds! Carry any balance -including a low balance - and make frequent debit purchases (because they add up to unlimited cash back!) Need to learn how to manage a checking account. Want a simple account with no overdraft fees, or may need a little help building financial wellness.

See Requirements See Requirements

*APY= Annual Percentage Yield. APY is accurate as of 08/1/2023. 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.

**The APY may change after account opening. There is a $2 monthly maintenance fee. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

^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.

†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.     


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