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Everything you need, fused into one account

Free checking that pays you an incredible rate

Big banks pay you very little in interest and charge you big monthly fees. With Fusion Checking from Advantis, you’ll enjoy a truly free checking account that pays you an incredible rate, ATM fee refunds nationwide, and other free extras when you meet four simple requirements. It’s everything you need to help reach your financial goals, fused into one amazing account.

With Fusion Checking you can:

  • Earn 0.75% APY on balances up to $25,000*
  • Enjoy ATM fee refunds nationwide (up to $25 per month)*
  • No monthly fees or debit card fees
  • No minimum balance requirement



Enjoy all the perks

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Get FREE checking. Period.

No monthly maintenance fee. No debit card fee. No matter what.

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Earn money from your money.

When you meet four simple monthly requirements, you’ll earn one of the highest interest rates in Oregon. It’s a checking account that helps you build up your savings, month over month.

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No minimum balance requirement. No worries.

Whether you have $1 or $25,000 in your account, you’ll earn the same incredible rate when you meet monthly requirements. This is the account for everyone, as big balances are not required.

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Find an ATM near you.

With us you’re also part of our Co-Op network, and you get access to 100+ surcharge free ATMs in PDX and 30,000+ nationwide.

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Bank anywhere, anytime.

Manage your accounts 100% online with Online Banking or our free mobile app.

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We make it easy to switch to an Advantis Checking Account with ClickSWITCH.

Move your direct deposits and recurring payments in just a few clicks. Learn more

Banks are for-profit. Advantis Credit Union is for you.
Advantis is a not-for-profit financial cooperative. That means, instead of turning our earnings over to corporate stockholders (like banks do), we give them to back to you.

When you bank with Advantis, you get better savings and loan rates, plus more free services. And, in this case, you get an incredible rate!


Fusion Checking not for you?

No problem! We have a variety of other accounts to fit your needs.

See all of our checking options


What are the Fusion Checking requirements?

Fusion Checking is always free. You can earn an incredible rate and ATM fee refunds by completing four simple requirements that you likely do anyway with a checking account. 

Each monthly requirement cycle simply:

  • Make at least 12 debit card transactions that post and clear
  • Make at least one automatic payment (through ACH) or direct deposit that posts and clears
  • Receive statements electronically
  • Log in to online banking at least once

Learn more—view our Fusion Checking frequently asked questions (FAQs)


Learn more with free online learning

Managing Your Checking Account learning module

Learn about checking accounts

Get to know the basics of checking accounts.

How to Budget learning module

Build a better budget

Use our budgeting tool to better understand your spending.

Understanding and Avoiding Overdrafts learning module

Stop overdraft fees

Learn how to manage your account balance and avoid overdraft fees.


Additional checking & debit card resource:

Reorder checks and check resources

Debit card resources and tools

Switch to an Advantis Checking Account with ClickSWITCH

Get Started

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to streamline your application.

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(Mon-Fri, 8am-6pm)


*APY= Annual Percentage Yield. APY is accurate as of 11/01/2021. 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; receive statements electronically and log in to online banking at least once. 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.