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Smart and simple, with everything you need

Free checking that pays you a terrific rate

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

With Fusion Checking you can:

  • Earn 2.00% APY on balances $0.01-$10,000
  • Earn 1.50% APY on balances $10,000.01-$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 your deposit up to two days early

Advantis Early Payday™ is included free with every checking and savings account. Learn more

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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.

Exactly what it sounds like. No matter your balance, you’ll earn a premium rate when you meet three simple monthly requirements.

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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 three 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

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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(Mon-Fri, 8am-6pm)


*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. 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. 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.