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September 12, 2023
Simple, No-Cost Checking: Grow Checkless Checking
In today’s fast-paced world, managing your finances efficiently is important, and checking accounts help you to do just that. Designed for frequent use, checking accounts give you ready access to your money when you need it. If you’re in search of a simple, no-cost checking account, look no further than Grow Checkless Checking.1
Benefits of Grow Checkless Checking
We’ve designed Grow Checkless Checking to cover all the basics you need, without paper checks or monthly maintenance fees. Here’s why our members love Grow Checkless Checking:
Affordability
- No minimum balance or minimum deposit
- No monthly account service fees
- Free direct deposit
Convenience
- A Grow Visa® debit card with access to 70,000 surcharge-free ATMs across our network2
- Convenient online and mobile banking3
- Mobile check deposit, available on the Grow Mobile Banking app
- Easy-to-use digital banking tools to help you manage your finances
Security
Plus, you’ll never have to worry about whether your money is safe in your Grow Checkless Checking account. Funds are federally insured by NCUA, so you know your money is protected. Read more about what it means to be insured by NCUA.You can also open an account in person at any Grow store. Find one now.
Need to write checks? Check out the benefits of our most popular checking account, Grow CashBack Checking, which rewards you with five cents back with every qualifying swipe of your Grow Visa debit card.4 Compare checking options.
Accounts are subject to approval.
1You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.
2There 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 service charge in addition to any fees charged by the operating institution.
3Additional data charges may apply. Please see your wireless carrier for more information.
4Earn a bonus of five cents per qualifying Grow Visa debit card transaction. Qualified Visa debit card transactions include signature or PIN-based point-of-sale purchases, bill payment transactions made with your Grow Visa debit card and online purchases. Excludes ATM withdrawals, deposits and transfers. No minimum balance is required to open the account or obtain the bonus.
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How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.