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The Surprises You Want In
A Checking Account
When it comes to checking accounts, ours are pretty exciting. At Grow, we think giving you a choice of accounts is pretty cool. Each account is made for the way you manage your money. There’s Checkless Checking.1 Yes, checkless. And CashBack Checking,2 which is exactly as awesome as it sounds. But those aren’t the only surprises. Both accounts come with a Grow Visa® debit card and free services like more than 70,000 surcharge-free ATMs across our network,3 free mobile and online banking, and free direct deposit.
Grow CashBack Checking
Our checking pays you! First, you’ll earn a little dividend, and an extra 5 cents with every qualifying swipe of your Grow Visa debit card. Plus, get another $2 back every month when you set up Grow installment loan payments (auto, RV, motorcycle, watercraft or Signature loans) for automatic withdrawal from your CashBack Checking account.
Grow Checkless Checking
Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or non-sufficient funds fees.
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 this means 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.
Grow Checking Accounts are subject to ChexSystems® approval.
1To be eligible for a Grow Checkless Checking Account, you must receive one monthly deposit via direct deposit, ATM deposit or mobile deposit, and complete a minimum of five Grow Visa debit card transactions each month. 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. Failure to meet all monthly requirements will result in a monthly service charge of $5. No NSF (Non-Sufficient Funds) fees will be charged on this account. To avoid overdrawing your account, transactions will be declined and returned unpaid when you don’t have sufficient money in your account. You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.
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. To be eligible for the $2.00 monthly bonus, you must have a scheduled automated recurring loan payment from your Grow CashBack Checking to your Grow Financial consumer loan, within the same account number. Online bill payments are excluded. Eligible loans are auto, motorcycle, watercraft, RV and the Signature loan. If the loan is past due 30 days or more, the bonus will not be paid.
All bonuses will be credited to the Grow CashBack Checking on the last day of the month. Fees could reduce earnings on the account. Grow CashBack Checking is a variable rate account. The Annual Percentage Yield (APY) is 0.01%. The APY may change without notice after the account is opened. The APY quoted is effective as of 10/04/2017 and may change without notice.
3There 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.
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
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733