Member Products & Services

hide

show

Checking Account Options

Click here to view the Checking Comparison Chart and see which Connex checking option is for you.

Unbank Checking

It goes against everything you ever thought about checking. It’s all part of Unbanking with Connex:

Save money with a high dividend rate on Unbank Checking account
balances up to $25,000
Save more money with a $500 mortgage closing rebate
Save even more money with rebates, up to $20, on foreign ATM
transactions (Connex and Allpoint ATMs are free for members)
Have peace of mind with quarterly Smart Score credit score range
Enjoy free, convenient Connex electronic and convenience services

To qualify for Unbank Checking, just use these Connex services during the month^*:

Direct Deposit or ACH (Electronic Funds Transfer) - With at least one deposited directly into your account during the month
Debit Card - Make at least 12 transactions each month using your debit card at various retailers and businesses
Online Banking - Free and convenient access to manage accounts and monitor transactions throughout the month
e-Statements - Available through Online Banking and saves time with no waiting for paper statements

If you meet all the monthly qualifications, you earn a very unbank-like high dividend rate^** on the first $25,000 in your Unbank Checking account and receive ATM rebates up to $20 and a $500 mortgage closing rebate. How many banks offer checking accounts like that?

If you meet all the monthly qualifications and have an account balance over $25,000, you earn a second-tier rate^** lower than the Unbank Checking rate but higher than the regular checking rate, but only for the part of your balance over $25,000.

If you do not meet the monthly requirements at all during one month, you earn the regular checking rate^** for that month, regardless of your account balance. And there is no monthly service charge!

Click the button below for full details on Unbank Checking.

We know you’re surprised at how much more you get with Unbank Checking. Click the button below, call us or stop by a branch to open yours today!

*Qualifications to earn the current Unbank Checking rate must all be met prior to the last business day of each month. Click here for full details.

**See Current Rates for the current Unbank Checking rate.

Your Choice Checking

Connex offers a checking account you can Customize to meet your financial needs.

Open a Your Choice Checking Account and you're automatically enrolled in Smart Score, a FREE program that provides valuable information regarding your credit score. You'll also receive information to help you understand how credit scores are determined and what it means to your financial life.

Then, the choice is yours. Select the benefits that fit your needs:

FREE Online Banking
FREE unlimited Online Bill Payment transactions
FREE e-Statements
Bonus Reward on Share Certificates and Money Market accounts¹
Earn dividend on your account balance
FREE box of checks each year with Check Protect: More secure shipping and tracking²
FREE official checks
FREE Travelers' checks
FREE copies of share drafts
Overdraft Protection options³
FREE Smart Score credit score range updates
No Monthly fee if you have Direct Deposit!⁴

See if Your Choice Checking is for you. Click here to view our Checking Comparison Chart.
Click the button below to open a Your Choice Checking Account online, call us or stop by a branch!

1.Share certificates opened or renewed after the Your Choice Checking Account start date ear a 1/4% Annual Percentage Yield Bonus Reward. Existing Money Market Accounts earn a 1/4% Annual Percentage Yield. Bonus Reward effective on the opening date of the Your Choice Checking Account. Minimum balance to earn the Bonus Reward on a Money Market Share Account is $2,500.
2. One box of standard checks per year for members with Your Choice Checking. Charges for Check Protect Enhanced Shipping may apply to all check orders.
3. Consult a Member Service Representative to select the Overdraft options that best suit your needs.
4. A $5 monthly fee applies to accounts without full direct deposit. Youth checking accounts are exempt from this fee.

Smart Score

Connex is offering this FREE innovative service to members who have an Unbank Checking or Your Choice Checking Account. Each quarter our Smart Score program will provide members with their current credit score range, as reported by Experian, a leading credit reporting agency. Included will be information explaining what a credit score is, who uses it, the factors that determine a credit score and why it is important.

The Smart Score program is designed to be a learning tool to help members understand the impact of credit scores and what steps they can take to improve and protect their score.

Open an Unbank Checking or Your Choice Checking and benefit from this FREE service. Click the button below to open your account online, call us or stop by any branch.

NCUA Share Insurance Coverage

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE
FOR TRANSACTION ACCOUNTS

Connex Credit Union member deposits are insured by the NCUA (National Credit
Union Administration), which is the federal agency that charters and supervises
federal credit unions. NCUA also operates and manages the National Credit Union
Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S
government, NCUSIF insures the accounts of millions of members in all federal credit
unions and the vast majority of state-chartered credit unions.

Federally insured credit union member accounts are insured to at least $250,000. Members are advised to review their accounts periodically and whenever they open new accounts or modify existing accounts to ensure that all of their funds continue to be insured. Also, there are ways to increase your insurance coverage.

All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not included any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.

For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

To learn more about NCUA share insurance coverage, stop by any Connex branch or call us at 1-800-CR-UNION.