Free checking that can help you save.
Ascend Checking is the free checking account that can earn 3.50% APY1 on the average daily balances up to $15,000.
Start earning dividends in your checking account with our Ascend Checking by completing these qualifying activities1 each month:
- enroll in eStatements
- make at least 20 debit card purchases
- have at least one monthly direct deposit greater than $250
There are no additional fees if you don't meet the dividend requirements, and no minimum opening deposit is required.

Ascend Checking Rates Meeting Qualifiers1
Deposit Amount |
Dividend Rate |
APY1 |
$0.00 - 15,000 | 3.445% | 3.50% |
$15,000.01+ | 0.00% | 0.21-3.50% |
Ascend Checking Benefits
- Online and Mobile Banking
- Mobile Deposit
- Zelle
- Free Credit Score Monitoring
- Free Debit Mastercard
- Contactless Payment
- Cell Phone Protection
- Save Your Change
- Mobile Wallet
- Shared Branching
- Identity Theft Protection from Mastercard
- No Minimum Balance Required
- No Check Writing Fees
- CardSwap
Dividends for savings greater than $15,000
Ascend Money Market Rate Bump
Overdraft Protection
Standard Overdraft
Line of Credit
Debit Card Overdraft Protection
1 APY is Annual Percentage Yield. Rates may change after the account is opened. Qualifiers to earn dividends with an Ascend Checking Account, you must be enrolled in eStatements with a valid email address, have a minimum of 20 debit card transactions post and settle (excluding ATM transactions), and one monthly direct deposit of more than $250. When the qualifications are met during a monthly statement cycle, 3.50% APY is paid on the entire portion of the average daily balances up to $15,000, and 0.21-3.50% APY is paid on that portion of the average daily balances over $15,000, depending on the account's average daily balance. No dividends are earned if the qualifications are not met during the statement cycle. Fees may reduce earnings. APY is accurate as of the last dividend declaration date. Insured by NCUA.
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.