Some things should just be free.

Your checking account included. Ascend Checking is the free checking account that can earn 3.50% APY1.

Start earning dividends in your checking account with our Ascend Checking by completing these qualifying activities each month:

  • enroll in eStatements
  • make at least 20 debit card purchases
  • have at least one monthly direct deposit greater than $250  

Each month you complete those activities, you'll earn dividends on balances up to $15,000. There are no additional fees if you don't meet the dividend requirements, and no minimum deposit is required.

man and little girl high fiving on a rock

Ascend Checking Benefits

Not only does Ascend Checking come with no monthly fee, it comes with all these free benefits:

If you're already a member, you can open your new account in Online Banking by opening the Menu and selecting New Account/Loan. You can convert your existing checking account to an Ascend Checking and keep your checking account number by starting a chat with one of our representatives in your Online Banking. If you're not a member yet, you can start your new account application by selecting Open My Account below. 

Dividends for savings greater than $15,000

Ascend Money Market Rate Bump

When your Ascend Checking meets the three qualifications for dividends, your Money Market will also see a bump in dividends.2 Each month your Ascend Checking qualifies for dividends, your Money Market earns a special bump rate.

We know mistakes happen, that’s why we offer options to protect you from mistakes that may be costly or even embarrassing.

Standard Overdraft

We can link other accounts to your checking account in the instance that funds aren’t available to cover a transaction. This service incurs a $2 transfer fee.

Line of Credit

Use a personal line of credit to have funds available when you need them.

Debit Card Overdraft Protection

Debit Card Overdraft Protection covers your accidental overdrafts so that merchants and credit bureaus will not be notified of overdrafts. For every check or other item that we cover, there is a $25 overdraft fee. 


1 APY=Annual Percentage Yield. Qualifiers to earn interest on Ascend Checking must be enrolled in eStatements with a valid email and have a minimum of 20 posted debit card transactions on your Ascend Checking account, excluding transactions at the ATMs and one monthly direct deposit of more than $250. Requirements are calculated for each month. If the account requirements are not met, the rate will be 0.00% APY. No minimum balance is required to earn APY. Fees may reduce earnings. APY accurate as of 03/01/23.

2 To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. For each month you meet the Ascend Checking account dividend qualifications, you will qualify for the Money Market Account Qualifying Bump Rate. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250.  If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate. Only one Money Market account may be linked to an Ascend Checking account at any time. The Money Market Account Qualifying Bump Rate will be applied to the Money Market account with the earliest opening date. If there are multiple Money Market accounts, you may select which Money Market account to apply the Qualifying Bump Rate at account opening or by reaching out to us at 800.843.7128.  Future changes of your selection can be made in branch or by reaching out to us at 800.843.7128. The dividend rate and annual percentage yield may change at any time. We may change the dividend rate for your account as determined by the credit union board of directors.