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Checking
Open Your Checking Account Online
When you open a Basic Savings Account, you unlock access to our two Checking Account options, each with perks and benefits designed for your spending habits. Choose from CashBack Checking1, a member-favorite option that earns 5 cents with every qualifying swipe, or Checkless Checking2, a simple way to keep track of your money without paper checks.
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
Free direct deposits
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 make spending simple.
Personal Checking Accounts Overview Minimum Deposit Dividend Rate Annual Percentage Yield (APY) Grow Cashback Checking1 Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card. $0.00 0.00% 0.00%1 Grow Checkless Checking2 Checking 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 - - Overview Our checking pays you! You’ll earn an extra 5 cents for every qualifying swipe of your Grow Visa® debit card. Minimum Deposit $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 04/26/2025 and may change without notice.
2You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.
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 unlock 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.
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 04/26/2025 and may change without notice.
2You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account.
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.
