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Bonus Checking


Built-in features designed to meet your unique needs.

Purchase new or Refinance

Earn Get 1% dividends with 20 swipes of your debit card*

New Rates

Access Use ATMs worldwide, with NO fees


Deposit Quickly deposit checks remotely with Civic Digital Deposit

Early Access and Total Control

The Civic Bonus Checking account is designed to move at the
speed of your life. Get access to your direct deposits up to three
days sooner using the early deposit feature. Use online or mobile
banking to set up and organize your bills, deposit checks digitally,
and link your debit card to your preferred mobile wallet.

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Stay on Track, Spend Better

Make progress toward your goals with real-time expense monitoring
and financial wellness tips. You can even link accounts from other
organizations for a 360° view of your complete spending history.

Want more security? Use the app to enable text alerts. We’ll notify you
right away about any suspicious transactions. Overdraft protection is
also available to help you handle any unplanned purchases and stay
on track.

Earn as You Spend

You work hard, and so should your checking account. When you
make 20 debit card swipes, we reward you with 1% dividends on
balances up to $10,000.*


Pay Old School with Checks

Need checks? Send us a request and we’ll give you a
complimentary box of checks to get things started.


Speed Up Checkout with No Touch,
Connected Payments

Connect your account to your mobile wallet to make paying
merchants quicker and more convenient. Link your card to all
the following services:

  • Apple Pay®
  • Samsung Pay®
  • Google Pay®
  • Mastercard® Click to Pay
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Your savings goal may be big or it may be
small. Either way, it’s your goal. And the
Civic Select Savings account can help
you get there.

Civic Select Savings

Stash your cash reach your goals

  • High Dividend Yields
  • Goal Tracking
  • Establishes Civic Membership
learn more

Be ready for planned and unplanned
purchases. Choose to protect yourself
with a Civic Personal Line of Credit.

Personal Line of Credit

Planned or unplanned, you’ve got options

  • Loans up to $30,000
  • Use as overdraft protection
  • No pre-payment penalties
learn more
You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:
Yes, that’s right! Here’s how it works. Anytime you get charged an ATM fee, we’ll reimburse your account. There are no limits either. Give us about two days, and you’ll see the fee rebate show up in your account. As a Civic member, you will never pay any ATM fees from anywhere at anytime.
When you first open your account, there is a $5 requirement. Once the account has been opened, there are no minimums. So, if your active account falls below the initial $5 requirement, it’s completely okay [and there are no fees].
Right from the start, we encourage you to designate one or more of your accounts as overdraft options. That way, if a charge cannot be covered – and there’s money available in a designated account - we’ll move what’s needed to cover the charge. This important overdraft protection step prevents an overdraft situation and eliminates any insufficient funds fees. So, when you select overdraft protection options, you can use a savings, money market, credit card, personal line of credit or another checking account. And you can combine options together.
If a charge comes through your account and your balance cannot support the charge, we can transfer exactly the amount that’s needed to cover the charge from your designated overdraft account. To set up this service, contact the Experience Center.
Yes! We’ve got options when you want to go old-school. Your first box of standard Civic checks are complimentary. If you need checks, just let us know. We will get them ordered and sent to your address on file.
Each account owner gets their own debit card. That way, each person has the flexibility to use Civic the way they like. Want your card to go further? Link it to a digital wallet like Apple Pay®, Samsung Pay®, Google Pay® or Mastercard® Click to Pay.
Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $15 fee. To avoid this, enroll your account in overdraft protection [*see the third and fourth question].
For each month that you use your card at least 20 times, we pay you an interest rate bonus. It’s our way of saying thanks for being a member.
Terms & Conditions

* 1.00% APY applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. This bonus dividend rate is paid on balances up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.

† Fees applicable to any ATM network in the United States and its territories will be charged to member account and then refunded to the same account by Civic within two business days. Rebated funds will be available for use following the credit union’s nightly batch processing.

‡ Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to three days earlier than the payer’s scheduled payment date.

∆ Standard message and data rates apply. Please check with your carrier for details.

◊ Overdraft Transfer Service is available from a Checking, Savings, or Money Market account with no minimum increments or transfer fees. Members may also apply for an overdraft Line of Credit from which transfers are made in increments of $50 up to available limits.