Bonus Checking

This online checking account works hard for you.

Welcome, LGFCU members! Apply for a Civic deposit account in just minutes

LGFCU becomes Civic in June, but you can apply for a deposit account right now if you’re ready to become a Civic member.

Earn

Earn dividends every month

Mobile

Add debit card to digital wallet, make deposits from anywhere¹

Cash

Get ATM fees reimbursed²

Is your checking account slacking off?

You work hard. Shouldn’t your online checking account? This Bonus Checking Account gives you access to your direct deposits up to 3 days early.³ Plus, you’ll earn Bonus Checking dividends that compound daily. And, you can use any ATM with fees reimbursed. Now, that’s a hardworking checking account – and it’s all for you.

Group of friends eating pizza after getting paid 3 days early.

Terms

Earn as you spend

Earn 0.15% APY⁴, compounded daily
No minimum checking account balance
ATMs fees reimbursed up to $20 per month
$1 monthly maintenance fee for online checking account

Features

Stay on track, spend better

Set up no-touch payments with your debit card and mobile wallet
Get direct deposit up to 3 days early
Use mobile check deposit from your phone
Real-time expense monitoring, notifications

Ready to open?

Open an online checking account that works hard for you!

open today

Life is digital

So are these everyday financial tools

Control your card in the mobile app graphic

Securely manage card activity with the app

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Civic Bonus Checking contactless payment graphic

Pay quickly, securely with tap to pay or digital wallet

Woman checking her Money Market dividends on the Civic Credit Union mobile app.

Money Market Account

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

Open a money market account with $250
Earn 2.08%when you maintain $250 balance or more
Access direct deposits up to 3 days early
Money Market Account can be used as overdraft transfer option

learn more

Health Savings Account

The Civic Health Savings Account is a tax-advantaged way to save and pay for qualifying medical expenses for you, your spouse, and dependents.

For Civic members with High Deductible Health Plans
HSA contributions for current year can be made up until April 15 of the following year
No tax penalties, HSA transfers custodian to custodian
Account has no minimum deposit requirement

learn more

You know the details matter (and you are in good company)

Here are a few FAQs

Are there really no ATM fees?

Yes, that's right! Here's how it works: Anytime you get charged an ATM fee, we'll reimburse your account, up to $20 each month. Give us about two days, and you'll see the fee reimbursement show up in your account.

Is there an account minimum?

Yes, the same $25 you deposit when you open your new Select Savings Account is also the minimum amount required to maintain your account.

Can I have more than one debit card?

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^®, or Google Pay^®.

How can I access my savings?

If you have have a Civic savings account but not a Civic checking account, you can request an ATM card that allows you access to your funds. Contact the Experience Center to request an ATM card, at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

How do I set up direct deposit?

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (053185723).

Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.

Civic Direct Deposit Authorization Form

Are there overdraft 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

How does overdraft work?

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.

Does this account include checks?

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.

Do you charge an insufficient funds fee or NSF?

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $25 fee. To avoid this, enroll your account in overdraft protection [*see the third and fourth question].

View All FAQs

Get the online checking account that works for you

Open the checking account that gives you dividends, reimburses ATM fees, and more. It’s time to stop settling.

open today

1 Message and data rates may apply.

2 Civic participates in select surcharge-free ATM networks. See the current list of locations. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month per debit/ATM card, beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.

3 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.

4 APY = Annual Percentage Yield. Rate is subject to change. Minimum opening deposit for the Civic Bonus Checking Account is $5.