- Personal Loans
- Personal Loans
- Home & Auto
Accounts are nothing to fear.
We know you might worry about fees eating into your hard-earned cash. That’s why we offer two options, each with no monthly maintenance fees and no minimum balance requirement. Put simply: we make using your checking account less scary.
when you open a new checking account with direct deposit and online banking!1 Check out our checking accounts to get started:
Grow CashBack Checking
Our checking pays you! You’ll earn an extra 5 cents with every qualifying swipe of your Grow Visa® debit card.2
Grow Checkless Checking
Checking without checks? That’s right, we offer paperless checking and don’t charge you any monthly account service fees. Checkless Checking offers a simple way to keep track of your spending, without checks or non-sufficient funds fees.3
Here's How It Works
Decide if you want Basic Savings plus CashBack Checking, or Basic Savings plus Checkless Checking.
Fill out the application. You’ll only need a few minutes and your personal information, like your birthdate and Social Security Number.
You’ll receive $300 after opening a new checking account with direct deposit and online banking!1
As a federal credit union, we’re a not-for-profit owned by our members. That means our dollars go right back to serving our communities and members, rather than corporate stockholders. As our name suggests, we’re here to make things grow — people, communities, money and dreams.
Checking accounts are subject to approval.
1To qualify for the bonus, you must open a Grow CashBack Checking or Grow Checkless Checking Account, set up a monthly electronic direct deposit to the account, and register for online banking. There is not a minimum balance to open the account or obtain the bonus. This offer is not available to existing Grow Financial members, and only one bonus will be paid per member. This offer is limited to individuals residing in Florida or South Carolina only. After you have completed all requirements, we will deposit the bonus in your account within 60 days. To receive the $300 bonus, the enrolled checking account must not be closed or restricted at the time of payout. This offer is effective as of 09/18/23 and subject to change without notice at any time. The bonus is considered interest and will be reported on IRS Form 1099-INT.
2Earn a bonus of $0.05 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 for this bonus.
3You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.
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.
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.
- 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 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 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733