- Personal
Checking
Open Your Checking Account Online
Choose the checking option that fits your spending style. With CashBack Checking, you’ll earn five cents cashback on every qualifying swipe.¹ Or keep things simple with Checkless Checking, a no-cost digital account designed for everyday money management.²
Benefits of Grow Checking Accounts
Our checking accounts come with all the essentials you need for everyday banking.
Convenient online and mobile banking3
Access to over 70,000 surcharge-free ATMs4
A Grow Visa® debit card
Get Started with Grow Checking
Manage your money the easy way. Open your account in minutes.
Choosing the Right Checking Account for You
We’ve made it easy to choose the right account based on how you spend your money. Whether you’re looking for a little cashback or extra convenience, our checking accounts make spending simple.
CashBack Checking Checkless Checking Monthly fee $0.00 $0.00 Minimum deposit $0.00 $0.00 Free direct deposit Eligible for overdraft savings protection Bill Pay
Manage your bill payments effortlessly with online and mobile banking.Paper checks 
Cashback
Earn five cents cashback for each qualifying debit card transaction.Monthly fee $0.00 Minimum deposit $0.00 Free direct deposit Eligible for overdraft savings protection Bill Pay
Manage your bill payments effortlessly with online and mobile banking.Paper checks Cashback
Earn five cents cashback for each qualifying debit card transaction.Overdraft savings protection will, at no charge to you, transfer funds from a linked savings account to your checking account when there are insufficient or unavailable funds in your checking account. Funds in your savings account will not automatically transfer to cover a debit card point-of-sale authorization.
Checkless Checking is now Bank On Certified!
Our Checkless Checking account meets the National Account Standards from the CFE (Cities for Financial Empowerment Fund) for safety, affordability and functionality. We’re proud to connect our members with accessible and low-cost checking options — because managing your money should never break the bank.
Open Your Checking Account Online
New to Grow Checking?
First things first, let’s make sure you’re set up with a Grow Basic Savings Account. Consider that your key to unlocking our entire world of financial services and resources. Once you’ve opened a savings account with Grow, you can open a checking account too. Yep, it’s that simple.
Already Have a Grow Savings Account?
If you already have a savings account with Grow, go ahead and log into your online banking portal. There, you can use the quick and easy application process to open a checking account.
Checking Account Rates
Personal Checking Accounts Overview Minimum Deposit to Open Account Dividend Rate Annual Percentage Yield (APY) Grow CashBack Checking1 Our checking account pays you! You’ll earn five cents for every qualifying swipe of your Grow Visa® debit card. $0.00 0.00% 0.00%1 Grow Checkless Checking2 Checkless Checking offers a simple way to keep track of your spending digitally. $0.00 - - Overview Our checking account pays you! You’ll earn five cents for every qualifying swipe of your Grow Visa® debit card. Minimum Deposit to Open Account $0.00 Dividend Rate 0.00% Annual Percentage Yield (APY) 0.00%1 1Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 07/10/2026 and may change without notice. Balances $.01 and over receive the dividend and APY stated.
2You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account. Our Bill Pay service may issue a paper check for payees who cannot receive electric checks.
Enroll in Round Up, Give Back
As a Grow Debit Card holder, you’re eligible to join our Round Up, Give Back program, giving you access to exclusive rewards and charitable opportunities.
LEARN MOREKeeping Your Finances In Check
Become a Grow Member
Grow Financial is a credit union, not a bank. That means we put people before profit and do all we can to help our members thrive.
Mobile Check Deposit: Snap a Picture, Deposit a Check
Do you know about our convenient mobile check deposit? It’s easier than ever to deposit checks to your account — without needing to stop by a Grow store.
The Credit Union Difference: Why Choose a Credit Union Over a Bank
Have you ever wondered what is the difference between a credit union and a bank?
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Accounts are subject to approval.
1Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 07/10/2026 and may change without notice. Balances $.01 and over receive the dividend and APY stated.
2You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account. Our Bill Pay service may issue a paper check for payees who cannot receive electric checks.
3Additional data charges may apply. Please see your wireless carrier for more information.
4There is no fee for transactions made at ATMs in the Grow Financial, CU24/CU HERE or CO-OP networks. Transactions from non-network ATMs will carry a $2.00 service charge, in addition to any fees charged by the operating institution.
