Grow Financial Federal Credit Union


Open Your Checking Account Online

When it comes to credit union 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. Yes, checkless. Then there’s CashBack Checking, 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 services like more than 70,000 surcharge-free ATMs across our network,1 mobile and online banking2 and direct deposit.

Open a Grow Checking Account

We offer a wide variety of accounts for a wide variety of needs, ensuring you have all the resources you need.

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Convenient online and mobile banking

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Access to over 70,000 surcharge-free ATMs

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Opportunities for cash back

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 cash back or extra convenience, our checking accounts help you thrive.

Personal Checking AccountsOverviewMinimum DepositDividend RateAnnual Percentage Yield (APY)
Grow Cashback Checking3Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa debit card. $0.000.00%0.00%
Grow Checkless Checking4Checking without checks? We have the technology! Checkless Checking offers a simple, basic way to keep track of your spending, without checks or nonsufficient funds fees.$0.00 - -
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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.


Explore All the Ways We Can Help You Grow

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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.

Learn More
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Your Questions Answered

We’ve answered some of our most commonly received questions to make sure you have everything you need to thrive.

Read Our FAQs
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Save More With Grow

With our variety of savings accounts, you’ll start saving faster than you thought possible.

View Savings Accounts

Keeping Your Finances in Check

Read our blogs all about managing your checking accounts and practicing good financial habits.

Read All Blogs
June 12, 2018

Earn Easy Money With CashBack Checking

Everyone wants to earn easy money. With our new Grow CashBack Checking Account, you can make money doing what you’re already doing … spending money!

Learn More
June 8, 2021

Fun Financial Literacy Education for Kids and Teens

You don’t have to be a financial expert yourself to teach kids about financial literacy. We’ve got several ideas for you to begin introducing these important topics.

Learn More
August 12, 2021

New to Budgeting? Get Started With Three Simple Steps

Everyone can benefit from using a budget, no matter your financial circumstances. Using a monthly budget will help you jumpstart your savings, pay off debt more quickly and make progress toward your financial goals.

Learn More

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.

1There 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.

2Additional data charges may apply. Please see your wireless carrier for more information.

3Earn 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 to open the account or obtain the bonus. 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 APY may change without notice after the account is opened. The APY quoted is effective as of 07/01/2020 and may change without notice.

4You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.